<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MBNA
CORPORATION'S FORM 10-K FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                         488,386
<INT-BEARING-DEPOSITS>                       1,525,748
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,752,663
<INVESTMENTS-CARRYING>                         293,641
<INVESTMENTS-MARKET>                           264,832
<LOANS>                                     17,663,709<F1>
<ALLOWANCE>                                    355,959
<TOTAL-ASSETS>                              30,859,132
<DEPOSITS>                                  18,714,753
<SHORT-TERM>                                 1,039,004
<LIABILITIES-OTHER>                          1,197,052
<LONG-TERM>                                  5,708,880
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         86
<COMMON>                                         8,018
<OTHER-SE>                                   4,191,339
<TOTAL-LIABILITIES-AND-EQUITY>              30,859,132
<INTEREST-LOAN>                              1,959,368<F1>
<INTEREST-INVEST>                              135,405
<INTEREST-OTHER>                               167,498
<INTEREST-TOTAL>                             2,262,271
<INTEREST-DEPOSIT>                             919,426
<INTEREST-EXPENSE>                           1,328,506
<INTEREST-INCOME-NET>                          933,765
<LOAN-LOSSES>                                  408,914
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,077,708
<INCOME-PRETAX>                              1,654,964
<INCOME-PRE-EXTRAORDINARY>                   1,654,964
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,024,423
<EPS-BASIC>                                       1.26
<EPS-DILUTED>                                     1.21
<YIELD-ACTUAL>                                   11.20<F2>
<LOANS-NON>                                     12,245<F3>
<LOANS-PAST>                                   138,531<F3>
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                153,082<F3>
<ALLOWANCE-OPEN>                               216,911
<CHARGE-OFFS>                                  567,929
<RECOVERIES>                                   188,402
<ALLOWANCE-CLOSE>                              355,959
<ALLOWANCE-DOMESTIC>                           339,439
<ALLOWANCE-FOREIGN>                             16,520
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Includes loans held for securitization.
<F2>On a fully taxable equivalent basis.
<F3>Excludes loans held for securitization.
</FN>


</TABLE>