Exhibit 99.21

MBNA MASTER CREDIT CARD TRUST II SERIES 1997-B

KEY PERFORMANCE FACTORS
September 30, 1999



Expected B Maturity 3/15/12


Blended Coupon 5.6135%



Excess Protection Level
3 Month Average 5.89%
September, 1999 5.79%
August, 1999 5.93%
July, 1999 5.96%


Cash Yield 18.00%


Investor Charge Offs 4.60%


Base Rate 7.61%


Over 30 Day Delinquency 4.90%


Seller's Interest 6.99%


Total Payment Rate 14.16%


Total Principal Balance $45,780,732,257.76


Investor Participation Amount $1,000,000,000.00


Seller Participation Amount $3,198,912,739.27