Exhibit 99.24

MBNA MASTER CREDIT CARD TRUST II SERIES 1997-B

KEY PERFORMANCE FACTORS
October 31, 1997



Expected B Maturity
3/15/12


Blended Coupon
5.8585%



Excess Protection Level
3 Month Average 4.87%
October, 1997 5.32%
September, 1997 4.77%
August, 1997 4.54%


Cash Yield 18.37%


Investor Charge Offs 4.61%


Base Rate 8.44%


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
$1,000,000,000.00


Seller Participation Amount
$4,401,496,533.34