Exhibit 99.1 
 
MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A 
 
KEY PERFORMANCE FACTORS 
September 30, 1997 
 
 
 
        Expected B Maturity                         9/15/99 
 
 
        Blended Coupon                               5.8961% 
 
 
 
        Excess Protection Level 
          3 Month Average   4.62% 
          September, 1997   4.76% 
          August, 1997   4.59% 
          July, 1997   4.52% 
 
 
        Cash Yield                                  17.46% 
 
 
        Investor Charge Offs                         4.80% 
 
 
        Base Rate                                    7.90% 
 
 
        Over 35 Day Delinquency                      4.84% 
 
 
        Seller's Interest                           12.31% 
 
 
        Total Payment Rate                          12.46% 
 
 
        Total Principal Balance                     $ 30,549,822,447.26 
 
 
        Investor Participation Amount               $ 760,000,000.00 
 
 
        Seller Participation Amount                 $ 3,759,687,928.77