Exhibit 99.6


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
March 31, 1997



        Expected B Maturity                         06/15/00


        Blended Coupon                               5.6374%


        Excess Protection Level
          3 Month Average   5.04%
          March, 1997   5.88%
          February, 1997   5.41%
          January, 1997   3.84%


        Cash Yield                                  17.84%


        Investor Charge Offs                         4.50%


        Base Rate                                    7.45%


        Over 35 Day Delinquency                      4.55%


        Seller's Interest                           12.97%


        Total Payment Rate                          12.55%


        Total Principal Balance                     $24,979,151,243.99


        Investor Participation Amount               $750,000,000.00


        Seller Participation Amount                 $3,239,523,725.50