MBNA Corp. (KRB: chart), a credit card lender, said 2Q net income dropped to $632.1 million or 50 cents a share, down versus 51 cents a share in the comparable period last year. Earnings included a pre-tax restructuring charge of $14.4 million. Total volume increased 9.6% to $57 billion, with cash advance volume climbing 9.2% to $20.1 billion.