English: Can I thank the Member for his questions and say I would agree with him on many of the points that he's made about the need to ensure that we do decentralise where we can and share opportunities right across Wales. I'd be more than happy to discuss with my colleague, the Cabinet Secretary for Finance and Local Government, the idea of also ensuring the Welsh revenue authority is located away from the capital, potentially in north Wales, potentially in Wrexham. In terms of the move to Wrexham, we are looking at two business case options concerning the headquartering of the bank in north Wales, although only one offers a suggestion of the likely cost. That stands at £5 million. But I do think it's absolutely essential that we do consider all opportunities for, as I say, decentralising not just national institutions but a lot of the wealth-creating activity within our gift. The preferred option to consolidate officers and certain functions in north-east Wales has not yet been costed at this time, but it is something that officials will be evaluating once further data are available, and officials need to see that detailed analysis and the costings of that particular option before any conclusions or recommendations, of course, could be brought to me in the new year. In terms of the other points that the Member makes, it is 30 years since the loss of the last Welsh commercial bank, and time has moved swiftly. But, since devolution, I think it's fair to say that we are soon to be banking and building as never before since 1999 and I very much welcome the Member's positive contribution to today's debate. As a background, the origins of the development bank for Wales do come from the task and finish group and also two committee reports from the previous Assembly. In terms of ambition, it's my ambition for the development bank to identify and to address any and every barrier that a micro, small or medium-sized enterprise faces in drawing down the necessary finance to grow and to create jobs. I've already set certain targets, including that of raising at least £1 billion over the next five years, but there will be annual remit letters, so we'll set specific targets and ambitions and there will be regular monitoring and evaluation sessions built into each financial year. In terms of operating in England and the plans for managing funds outside of Wales, I do recognise that this is something of a controversial issue, but the extent of this activity that has taken place and will take place is strictly limited, and does not detract, I think it is important to say - does not and should not detract - from Welsh businesses or the support that is available. Indeed, I believe that there is a maximum cap on the amount of income that can be raised through activities outside of Wales, currently set, I believe, at 10 per cent, and I would wish to see a cap maintained. I do think that activity outside of Wales is a sign of, currently, Finance Wales's, and, in future, the development bank of Wales's, professionalism, and does demonstrate as well that they're able to compete effectively for contracts outside of Wales. It's also important that staff within the development bank of Wales go on constantly improving in terms of skills and knowledge, and, again, experiencing activity across the border can help in this regard. In terms of the question that concerned the outsourcing of venture capital funds, when Welsh Government sought competitive bids from fund management services, there were instances where there were no other bidders except for Finance Wales. I think the Member is aware of this. And the development bank for Wales business case states that investment management and support services for Welsh Government would be agreed on a case-by-case basis, depending on individual project requirements. In terms of that business plan that I refer to, the Member has raised this question in the past and I'm pleased to say that I will commit to publish the business plan once it's ready. At the moment, it's still in the draft, and we are continuing to take account of feedback from interested stakeholders, but I can commit today to publishing it.
Welsh: A gaf i ddiolch i'r Aelod am ei gwestiynau a dweud fy mod yn cytuno ag ef ar lawer o'r pwyntiau y mae wedi'u gwneud am yr angen i sicrhau ein bod yn datganoli lle y gallwn ni wneud hynny a rhannu cyfleoedd ledled Cymru. Byddwn yn fwy na hapus i drafod gyda fy nghydweithiwr, Ysgrifennydd y Cabinet dros Gyllid a Llywodraeth Leol, y syniad o sicrhau hefyd bod awdurdod refeniw Cymru yn cael ei leoli y tu allan i'r brifddinas, o bosibl yng ngogledd Cymru, o bosibl yn Wrecsam. O ran symud i Wrecsam, rydym yn edrych ar ddau ddewis achos busnes yn ymwneud â sefydlu pencadlys y banc yn y gogledd, er mai dim ond un sy'n cynnig awgrym o'r gost debygol. £5 miliwn yw'r gost honno fel y mae'n sefyll. Ond rwy'n credu ei bod yn gwbl hanfodol ein bod yn ystyried yr holl gyfleoedd ar gyfer datganoli, fel y dywedais, nid yn unig sefydliadau cenedlaethol ond llawer o'r gweithgareddau sy'n creu cyfoeth o fewn ein gallu. Nid yw'r dewis a ffefrir i atgyfnerthu swyddogion a swyddogaethau penodol yng ngogledd-ddwyrain Cymru wedi ei gostio ar hyn o bryd, ond mae'n rhywbeth y bydd swyddogion yn ei werthuso pan fydd rhagor o ddata ar gael, ac mae angen i swyddogion weld dadansoddiad manwl a chostau'r dewis penodol hwnnw cyn y gellir dod ag unrhyw gasgliadau neu argymhellion ataf i, wrth gwrs, yn y flwyddyn newydd. O ran y pwyntiau eraill y mae'r Aelod yn eu gwneud, mae 30 mlynedd ers colli'r banc masnachol olaf yng Nghymru, ac mae amser wedi hedfan. Ond, ers datganoli, rwy'n meddwl ei bod yn deg dweud y byddwn ni cyn bo hir yn bancio ac yn adeiladu mewn ffordd nas gwelwyd ers 1999, ac rwy'n croesawu cyfraniad cadarnhaol yr Aelod at y ddadl heddiw yn fawr iawn. I roi rhywfaint o gefndir, mae gwreiddiau banc datblygu Cymru yn dod o'r grŵp gorchwyl a gorffen, a hefyd dau adroddiad pwyllgor gan y Cynulliad blaenorol. O ran uchelgais, fy uchelgais i ar gyfer y banc datblygu yw nodi a mynd i'r afael ag unrhyw rwystr a phob rhwystr y mae meicrofusnesau, busnesau bach neu fusnesau canolig eu maint yn eu hwynebu wrth gael gafael ar y cyllid angenrheidiol i dyfu ac i greu swyddi. Rwyf eisoes wedi gosod targedau penodol, gan gynnwys codi gwerth £1 biliwn o leiaf dros y pum mlynedd nesaf, ond fe fydd yna lythyrau cylch gwaith blynyddol, felly byddwn yn gosod targedau ac uchelgeisiau penodol yn y rheiny, a bydd sesiynau monitro a gwerthuso rheolaidd yn cael eu cynnwys ym mhob blwyddyn ariannol. O ran gweithredu yn Lloegr a'r cynlluniau i reoli cronfeydd y tu allan i Gymru, rwy'n cydnabod bod hyn yn fater eithaf dadleuol, ond mae'r graddau y mae'r gweithgaredd hwn wedi digwydd ac y bydd yn digwydd yn gwbl gyfyngedig, ac nid yw'n amharu, rwy'n credu ei bod yn bwysig dweud - nid yw ac ni ddylai amharu - ar fusnesau yng Nghymru na'r cymorth sydd ar gael. Yn wir, credaf fod yna uchafswm wedi'i bennu ar faint o incwm y gellir ei godi drwy weithgareddau y tu allan i Gymru, a bod y cap hwnnw wedi ei osod ar hyn o bryd, rwy'n credu, ar 10 y cant, a byddwn yn dymuno gweld y cap yn cael ei gynnal. Rwy'n credu bod gweithgaredd y tu allan i Gymru yn arwydd, ar hyn o bryd, o broffesiynoldeb Cyllid Cymru, ac, yn y dyfodol, banc datblygu Cymru, ac mae'n dangos hefyd eu bod yn gallu cystadlu'n effeithiol am gontractau y tu allan i Gymru. Mae hefyd yn bwysig bod staff banc datblygu Cymru yn parhau i wella yn gyson o ran eu sgiliau a'u gwybodaeth, ac, unwaith eto, gall cael profiad o weithgareddau ar draws y ffin helpu yn hyn o beth. O ran y cwestiwn am is-gontractio cronfeydd cyfalaf menter, pan ofynnodd Llywodraeth Cymru am geisiadau cystadleuol gan wasanaethau rheoli cronfeydd, roedd achosion lle nad oedd unrhyw gynigwyr eraill heblaw am Cyllid Cymru. Rwy'n credu bod yr Aelod yn ymwybodol o hyn. Ac mae achos busnes banc datblygu Cymru yn nodi y byddai gwasanaethau cymorth a rheoli buddsoddi ar gyfer Llywodraeth Cymru yn cael eu cytuno ar sail achos unigol, gan ddibynnu ar ofynion prosiect unigol. O ran y cynllun busnes hwnnw yr wyf yn cyfeirio ato, mae'r Aelod wedi codi'r cwestiwn hwn yn y gorffennol ac rwy'n falch o ddweud y byddaf yn ymrwymo i gyhoeddi'r cynllun busnes pan fydd yn barod. Ar hyn o bryd, mae'n dal i fod ar ffurf ddrafft, ac rydym yn parhau i ystyried adborth gan randdeiliaid sydd â diddordeb, ond gallaf ymrwymo heddiw i'w gyhoeddi.