Exhibit 23
CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference in the following Registration Statements of MBNA Corporation of our report dated January 22, 2004, with respect to the consolidated financial statements of MBNA Corporation incorporated by reference in this 2003 Annual Report on Form 10-K of MBNA Corporation for the year ended December 31, 2003:
| Registration Statement Number | Form | |||
33-41936 |
S-8 | |||
33-41895 |
S-8 | |||
33-71640 |
S-8 | |||
33-95438 |
S-8 | |||
333-15721 |
S-3 | |||
333-21181 |
S-4 | |||
333-06824 |
S-8 | |||
333-51477 |
S-8 | |||
333-74919 |
S-3 | |||
333-79987 |
S-8 | |||
333-44422 |
S-8 | |||
333-45814 |
S-3 | |||
333-109035 |
S-8 | |||
Baltimore, Maryland
March 9, 2004
| /s/ Ernst & Young LLP |