Richard became Chairman of UKAR in July 2010 having been appointed Chairman of B&B in November 2008 and NRAM in January 2010. He also chairs the Nominations Committees of all three companies.

Richard is a Non-Executive Director of The British Land Company plc and Non-Executive Chairman of BrightHouse Group Ltd and Nordax Finans AB. He was Group Chief Executive of Alliance & Leicester plc until July 2007 and prior to that he held a number of financial and general management roles at The Burton Group plc, BAT Industries plc, British Gas and Thomson McLintock & Co. Formerly a Vice President of the British Bankers’ Association, a Non-Executive Director of Old Mutual plc, Selfridges plc and Chairman of Halfords Group plc. Richard is a Fellow of the Institute of Chartered Accountants in England and Wales.

Richard became Chief Executive Officer of UKAR in July 2010 and was appointed Chief Executive Officer of NRAM and B&B in October 2010.

Before joining the Board of B&B in May 2009 Richard's career has been in retail and commercial banking. He was previously a Main Board Director of Alliance & Leicester plc, where he was Group Risk Director and before that Managing Director of Commercial Banking. He is also a Non-Executive Director of ICICI Bank UK PLC and a Non-Executive Director of Liverpool Compact, which provides work experience for 14 -19 year olds. Richard is an Associate of the Chartered Institute of Banking.

Phillip joined the Boards of UKAR, NRAM and B&B in July 2011 having been Finance Director of the latter since June 2009. He is responsible for all aspects of reporting and financial control across the business.

Prior to joining B&B in 2000, Phillip worked at KPMG Consulting, Coopers & Lybrand and National & Provincial Building Society. He is a member of the Chartered Institute of Management Accountants.

Michael joined the Boards of UKAR and NRAM in October 2010 and has been a Non-Executive director of B&B since July 2007. He is a member of the Audit Committees, the Risk Committees and the Nominations Committees of all three companies.

Michael is Non-Executive Chairman of DCC plc and a Non-Executive Director of M&T Corporation in the USA. He is also a senior adviser to a number of privately held Irish and US based companies, serves on McKinsey and Company’s European Banking Practice Advisory Board and is an Adjunct Professor at the Department of Economics at NUI University College, Cork. He was Group Chief Executive of Allied Irish Banks plc from 2001 to 2005 having earlier served as Managing Director of AIB Capital Markets and AIB Poland. Previously, he was Managing Director of the NCB Group, and a senior public servant in Ireland and the EU.

Louise joined the Boards of UKAR and NRAM in October 2010, and has been a Non-Executive Director of B&B since December 2003. She is a member of the Remuneration Committees and the Nominations Committees of all three companies.

Louise is a Non-Executive Director of Capital Shopping Centres Group plc and Control Risks Group Holdings Ltd as well as the senior adviser to management consultants Bain & Co. She began her career at Citibank and remained in financial services until 1993, when she joined Bain & Co as a partner. Her previous experience as a Non-Executive Director includes Marks & Spencer plc, The Hilton Group, Brixton plc, Great Universal Stores and Somerfield.

John joined the Boards of UKAR and NRAM in October 2010, having joined the Board of B&B in April 2010. He is Chairman of the Risk Committees and a member of the Audit Committees of all three companies.

John retired as a partner in PricewaterhouseCoopers LLP in 2009, where he had worked since 1975, latterly as leader of the firm's Financial Services Regulatory Practice and a senior client relationship partner. He started his career in the financial services sector with Kleinwort, Benson Limited in 1973. Until 2009 he was Chairman of the Risk and Regulation Committee of the Financial Services Faculty of the Institute of Chartered Accountants in England and Wales and a member of the faculty Board. He is currently a Non-Executive Director of UBS Ltd, R Raphael & Sons plc (Raphael's Bank), English Touring Opera and the South East Institute for Theological Education and a member of the Independent Commission on Equitable Life payments. He is also a Board member of the Gibraltar Financial Services Commission, a member of the court of the Royal Foundation of St Katharine, and a non-stipendiary priest in the Church of England. He acted as Consultant Editor and joint author of two recent books 'A Practitioner's Guide to the Basel Accord' and 'A Practitioner's Guide to FSA Regulation of Banking'.

Kent joined the Boards of UKAR and B&B in October 2010, and has been a Non-Executive Director of NRAM since January 2010. He is our Senior Independent Director, Chairman of the Audit Committees and a member of the Risk Committees of all three companies.

Previously Group Finance Director of Lloyds TSB plc and subsequently a Non-Executive Director, Kent is the Senior Independent Director and Chairman of the Audit Committee of Coca-Cola HBC SA and a Non-Executive Director of Gemalto NV. Until recently he was a Non-Executive Director and Chairman of the Group Audit and Compliance Committee and a member of the Risk and Investment Committees of Standard Life plc. He was formerly a Non-Executive Director, Chairman of the Audit Committee and a member of the Risk Committee of Northern Rock plc, the Senior Independent Director and Chairman of the Audit Committees of Cookson Group plc and Telent plc (previously Marconi Corporation plc), and a Non-Executive Director of Millicom International Cellular S.A.

Sue joined the Boards of B&B and UKAR in October 2010, having joined the Board of NRAM in January 2010. She is Chairman of the Remuneration Committees of all three companies and a member of the Nominations Committees of all three companies.

Sue is currently Director of Market Operations for Lloyd’s of London, joining in July 2007, and a Director of Lloyd’s Asia and Chairman of Lloyd’s Japan. Previously, she was Chief Operating Officer and a member of the Executive team for the Hiscox Group and Board member for Hiscox Syndicates and Hiscox Insurance. Sue is currently a Director of ACORD and Trustee of the Lloyd’s Charities Trust. Prior to joining Hiscox, Sue worked for Thomson Tour Operations and PricewaterhouseCoopers, where she was a Principal Consultant specialising in change management.

Keith joined the Boards of UKAR and B&B in October 2010, having joined the Board of NRAM in January 2010. He is a member of the Risk Committees and Remuneration Committees of all three companies.

Keith is Head of Wholly-Owned Investments at UKFI, responsible for managing the Government's shareholdings in UKAR, B&B, NRAM and NR.

Keith is a Non-Executive Director of Northern Rock plc and joined UKFI from Banco Santander. Until July 2009, he was a Director of Sovereign Bancorp in the United States, focusing on the integration of Sovereign into Santander. He was previously Director of Strategy & Planning at Abbey National, where he was a member of the Executive Committee, and was also Chairman of Santander's Asset Management and Credit Card businesses in the UK. Before joining Abbey in 2004, Keith spent 18 years at L.E.K. consulting, where he was a partner specialising in financial services.