Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
AUGUST, 1997



Expected B Maturity 09/17/01


Blended Coupon 5.8830%



Excess Protection Level
3 Month Average 4.64%
August, 1997 4.57%
July, 1997 4.52%
June, 1997 4.82%


Cash Yield 17.46%


Investor Charge Offs 4.84%


Base Rate 8.05%


Over 35 Day Delinquency 4.66%


Seller's Interest 14.91%


Total Payment Rate 12.37%


Total Principal Balance $ 30,603,901,306.35


Investor Participation Amount $ 1,200,000,000.00


Seller Participation Amount $ 4,563,766,787.86