Exhibit 23
CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference in the following Registration Statements of MBNA Corporation, and in the related Prospectuses, of our report dated January 14, 2002, with respect to the consolidated financial statements of MBNA Corporation, included in the 2001 Annual Report to Stockholders of MBNA Corporation and incorporated by reference in this Annual Report (Form 10-K) for the year ended December 31, 2001:
| Number | 33-41936 | on Form S-8 dated July 22, 1991 | ||
| Number | 33-41895 | on Form S-8 dated July 24, 1991 | ||
| Number | 33-50498 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated August 28, 1992 | ||
| Number | 33-71640 | on Form S-8 dated November 15, 1993 | ||
| Number | 33-76278 | on Form S-3 (as amended by Post-Effective Amendment No. 2) dated April 8, 1994 | ||
| Number | 33-95438 | on Form S-8 dated August 4, 1995 | ||
| Number | 33-95600 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated September 1, 1995 | ||
| Number | 333-17187 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated December 3, 1996 | ||
| Number | 333-15721 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated December 10, 1996 | ||
| Number | 333-21181 | on Form S-4 (as amended by Amendment No.1) dated February 25, 1997 | ||
| Number | 333-06824 | on Form S-8 dated April 22, 1997 | ||
| Number | 333-47179 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated April 6, 1998 | ||
| Number | 333-51477 | on Form S-8 dated April 30, 1998 | ||
| Number | 333-74919 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated March 24, 1999 | ||
| Number | 333-79987 | on Form S-8 dated June 4, 1999 | ||
| Number | 333-44422 | on Form S-8 dated August 24, 2000 | ||
| Number | 333-45814 | on Form S-3 dated September 14, 2000 |
| /s/ Ernst & Young LLP | ||
| Baltimore, Maryland March 21, 2002 |
