Exhibit 99.12

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A

KEY PERFORMANCE FACTORS
August 31, 1999



Expected B Maturity 3/17/03


Blended Coupon 5.5067%



Excess Protection Level
3 Month Average 5.67%
August, 1999 5.92%
July, 1999 5.95%
June, 1999 5.14%


Cash Yield 18.20%


Investor Charge Offs 4.78%


Base Rate 7.51%


Over 30 Day Delinquency 4.81%


Seller's Interest 7.19%


Total Payment Rate 14.37%


Total Principal Balance $46,158,397,644.87


Investor Participation Amount $700,000,000.00


Seller Participation Amount $3,316,578,126.38