Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
June 30, 1997



Expected B Maturity 9/15/04


Blended Coupon 6.0024%


Excess Protection Level
3 Month Average 4.26%
June, 1997 4.77%
May, 1997 4.35%
April, 1997 3.68%


Cash Yield 17.16%


Investor Charge Offs 4.60%


Base Rate 7.80%


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 $575,000,000.00


Seller Participation Amount $2,741,483,811.88