Exhibit 99.1

MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A

KEY PERFORMANCE FACTORS
July 31, 1999



Expected B Maturity 9/15/99


Blended Coupon 5.3982%



Excess Protection Level
3 Month Average 6.26%
July, 1999 5.97%
June, 1999 5.16%
May, 1999 7.65%


Cash Yield 18.70%


Investor Charge Offs 4.97%


Base Rate 7.76%


Over 30 Day Delinquency 4.84%


Seller's Interest 9.75%


Total Payment Rate 14.54%


Total Principal Balance $ 45,698,903,036.29


Investor Participation Amount $ 760,000,000.00


Seller Participation Amount $ 4,456,383,517.80