Exhibit 99.1

MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A

KEY PERFORMANCE FACTORS
October 31, 1997



Expected B Maturity 9/15/99


Blended Coupon 5.8363%



Excess Protection Level
3 Month Average 4.89%
October, 1997 5.34%
September, 1997 4.76%
August, 1997 4.59%


Cash Yield 18.37%


Investor Charge Offs 4.61%


Base Rate 8.42%


Over 35 Day Delinquency 4.76%


Seller's Interest 13.78%


Total Payment Rate 14.00%


Total Principal Balance $
31,941,631,051.83


Investor Participation Amount $
760,000,000.00


Seller Participation Amount $
4,401,496,533.34