English: Thank you for that answer, First Minister. Your Government has encouraged local authorities to invest in commercial properties around the country. You've lent them taxpayers' money to do so, and the Development Bank of Wales lends money directly to private companies developing commercial properties. Last financial year, the bank lent £34.1 million of taxpayers' money to property developers, and this year the bank has two funds available to property developers, totalling £97 million. Most of it is in the commercial property fund, and all of the money is provided by the Welsh Government, i.e. the taxpayer. As a result of lockdown, property experts are predicting that commercial property could lose 50 per cent of its value and rent returns will go through the floor as businesses close and downsize offices because more staff are working from home or need rent holidays. Even the Office for Budget Responsibility admits to at least a 14 per cent drop in value over the next year. If the OBR are correct, the Development Bank of Wales could lose £7.7. million in one year if it invests all of its commercial property fund of £55 million. The bank may already have lost £4.7 million on last year's investments. The picture could be just as bad for local authorities. Flintshire County Council, for example, owns 13 business centres and industrial estates. So, how much taxpayers' money invested in commercial property could be lost due to lockdown? How much money have you set aside to bail out councils who lose money because of investments in commercial property reducing? And has the DBW changed its lending criteria towards commercial property developers since the coronavirus came along and changed the way people work and conduct business?
Welsh: Diolch am yr ateb yna, Prif Weinidog. Mae eich Llywodraeth wedi annog awdurdodau lleol i fuddsoddi mewn eiddo masnachol ledled y wlad. Rydych chi wedi rhoi benthyg arian trethdalwyr iddyn nhw wneud hynny, ac mae Banc Datblygu Cymru yn benthyca arian yn uniongyrchol i gwmnïau preifat sy'n datblygu eiddo masnachol. Yn ystod y flwyddyn ariannol ddiwethaf, rhoddodd y banc fenthyciadau gwerth £34.1 miliwn o arian trethdalwyr i ddatblygwyr eiddo, ac eleni mae gan y banc ddwy gronfa ar gael i ddatblygwyr eiddo, sy'n dod i gyfanswm o £97 miliwn. Mae'r rhan fwyaf ohono yn y gronfa eiddo masnachol, a darperir yr holl arian gan Lywodraeth Cymru, hynny yw, y trethdalwr. O ganlyniad i'r cyfyngiadau symud, mae arbenigwyr eiddo yn rhagweld y gallai eiddo masnachol golli 50 y cant o'i werth ac y bydd enillion rhent yn mynd ar chwâl wrth i fusnesau gau a lleihau maint swyddfeydd gan fod mwy o staff yn gweithio gartref neu eu bod angen gwyliau rhent. Mae hyd yn oed y Swyddfa Cyfrifoldeb Cyllidebol yn cyfaddef i ostyngiad o 14 y cant o leiaf i werth yn ystod y flwyddyn nesaf. Os yw'r Swyddfa Cyfrifoldeb Cyllidebol yn iawn, gallai Banc Datblygu Cymru golli £7.7. miliwn mewn un flwyddyn os bydd yn buddsoddi ei gronfa eiddo masnachol gyfan o £55 miliwn. Gallai'r banc eisoes fod wedi colli £4.7 miliwn ar fuddsoddiadau y llynedd. Gallai'r darlun fod yr un mor wael i awdurdodau lleol. Mae Cyngor Sir y Fflint, er enghraifft, yn berchen ar 13 o ganolfannau busnes ac ystadau diwydiannol. Felly, faint o arian trethdalwyr a fuddsoddwyd mewn eiddo masnachol y gellid ei golli oherwydd y cyfyngiadau symud? Faint o arian ydych chi wedi ei neilltuo i achub cynghorau sy'n colli arian oherwydd lleihad i fuddsoddiadau mewn eiddo masnachol? Ac a yw Banc Datblygu Cymru wedi newid ei feini prawf benthyca ar gyfer datblygwyr eiddo masnachol ers i'r coronafeirws ymddangos a newid y ffordd y mae pobl yn gweithio ac yn cyflawni busnes?