Exhibit 99.2 
 
 
MBNA MASTER CREDIT CARD TRUST II SERIES 1994-B 
 
KEY PERFORMANCE FACTORS 
February 28, 1997 
 
 
 
        Expected B Maturity                         9/15/99 
 
 
        Blended Coupon                               5.59245% 
 
 
 
        Excess Protection Level 
          3 Month Average   4.92% 
            February, 1997   5.42% 
            January, 1997   3.84% 
            December, 1996   5.50% 
 
 
        Cash Yield                                  16.84% 
 
 
        Investor Charge Offs                         4.37% 
 
 
        Base Rate                                    7.05% 
 
 
        Over 35 Day Delinquency                      4.65% 
 
 
        Seller's Interest                           16.44% 
 
 
        Total Payment Rate                          12.64% 
 
 
        Total Principal Balance                     $ 25,119,592,718.23 
 
 
        Investor Participation Amount               $ 1,000,000,000.00 
 
 
        Seller Participation Amount                 $ 4,129,965,199.74