Exhibit 99.22

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-L

KEY PERFORMANCE FACTORS
JUNE, 1997



Expected B Maturity 12/15/99


Blended Coupon 5.8823%



Excess Protection Level
3 Month Average 4.51%
June, 1997 4.88%
May, 1997 4.51%
April, 1997 4.13%


Cash Yield 17.19%


Investor Charge Offs 4.60%


Base Rate 7.72%


Over 35 Day Delinquency 4.57%


Seller's Interest 10.08%


Total Payment Rate 12.14%


Total Principal Balance $ 27,184,721,330.37


Investor Participation Amount $ 500,000,000.00


Seller Participation Amount $ 2,741,483,811.88