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UK Asset Resolution Limited (‘UKAR’) which incorporates Bradford & Bingley plc (‘B&B’) and NRAM plc (formerly Northern Rock (Asset Management) plc) (‘NRAM’). UKAR’s mission is to maximise value for the taxpayer. Having integrated the two businesses, their objectives are to optimise the balance sheets to facilitate the orderly repayment of the government loans, whilst serving their customers well and treating them fairly.