UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)	January 22, 2004
MBNA Corporation
(exact name of registrant as specified in its charter)

Maryland	1-10683	52-1713008
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

Wilmington, Delaware	19884-0131
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code (800) 362-6255

(Former name or former address, if changed since last report)

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits

Exhibits

Exhibit 99.1: Press Release, dated January 22, 2004, issued by MBNA Corporation, and MBNA Corporation Financial Highlights for the three and twelve months ended December 31, 2003.

Item 12 . Results of Operations and Financial Condition.

On January 22, 2004, MBNA Corporation announced its results of operations for the three and twelve months ended December 31, 2003. A copy of the related press release and the MBNA Corporation Financial Highlights for the three and twelve months ended December 31, 2003 is being filed as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference in its entirety.

The information furnished under this Item 12, including Exhibit 99.1, shall be deemed to be “filed” for purposes of the Securities Exchange Act of 1934, as amended.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			MBNA Corporation
Date: January 22, 2004	By:	/s/	Vernon H.C. Wright
			Vernon H.C. Wright
			Chief Financial Officer