Financial Profile
MBNA Corporation (KRB:NYSE), a bank holding company and parent of MBNA America Bank, N.A., a national bank, has $100 billion in managed loans. MBNA, the largest independent credit card lender in the world, also provides retail deposit, consumer loan, and insurance products. MBNA.com provides credit card, consumer loan, retail deposit, travel and shopping services.
Approximate Employees: 28,000
FYE 12/31
2002
2001
2000
1999
Total Revenues ($000)
10,430,993
10,144,721
8,007,145
6,697,792
Net Income ($000)
1,765,954
1,694,291
1,312,532
1,024,423
Net Income Percent Change (%)
4.23
29.09
28.12
31.97
Profit Margin (%)
16.93
16.70
16.39
15.29
Stockholders' Equity ($000)
9,101,319
7,798,718
6,627,278
4,199,443
Return on Stockholders' Equity (%)
22.64
25.57
31.25
42.84
Stockholders' Equity Per Share*
7.12
6.10
5.38
3.49
Earnings Per Share*
1.34
1.28
1.02
0.81
Dividends Per Share*
0.27
0.24
0.21
0.19
Shares Outstanding (000)*
1,277,787
1,277,745
1,230,827
1,201,530

Company reported for the third quarter ended 9/30/03 earnings of $658,763,000 or $0.51 per share on net interest income of $599,912,000 vs. earnings of $398,042,000 or $0.30 per share on net interest income of $482,271,000 for the same period last year.

Company reported for the nine months ended 9/30/03 earnings of $1,634,614,000 or $1.25 per share on net interest income of $1,734,676,000 vs. earnings of $1,225,794,000 or $0.93 per share on net interest income of $1,500,364,000 for the same period last year.

*Figures adjusted to reflect a 3 for 2 stock split effective July 15, 2002.

COMPANY CONTACT: Trevor Koenig, Investor Relations; (302) 432-1189

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