English: Of course, there may be a case for doing it somewhat differently in Wales, but we have a £360 million consequential for next year just announced, and the retail but also the hospitality and leisure businesses are public-facing businesses that we may expect to be particularly affected by coronavirus and all the implications of that. And it does strike me that what the Chancellor has announced at the UK level for England seems a pretty effective way of getting money to those businesses, including those that you didn't mention any view on, those who get the small business rate relief in England, who get £3,000 channelled to them for each business through local authority. That's going to make a very significant difference in mitigating some of the impacts for many of those businesses. And I would encourage the Minister, as she absorbs what's happened in the budget at a UK level, but also when she considers the £360 million and how that pans out, compared to perhaps what she was expecting or not expecting to be in this budget, I do hope that those business rate reliefs will be an area where she can deploy some of that money. I wonder, could I also ask about the Development Bank of Wales? I mentioned the British Business Bank start-up loans and can confirm actually that they are going to be eligible for all UK businesses - those start-up loans and the increase. But how do they interface with what's available from the Wales development bank? Is there a good deal of overlap? Can businesses benefit from both sources or do they have to choose one or the other? And what role does she see for the Wales development bank in mitigating the impact of the coronavirus? Presumably, for those businesses it has a relationship with already it should be in a good position to provide working capital support where that's necessary. But what's going to happen for its very substantial property development loans, which have been recycled again and again quite successfully to date, if developers find it difficult to sell on those properties? Isn't there a danger that that money will have a less positive impact for the economy at exactly the same time that coronavirus hits, if those developers aren't available to recycle and pay back the money as quickly as they otherwise would have? And can there be any role for the Wales development bank in supporting other businesses specifically for the coronavirus outbreak and working capital needs when it doesn't have that existing business relationship and knowledge of their working capital needs?
Welsh: Wrth gwrs, efallai fod dadl dros wneud hynny ychydig yn wahanol yng Nghymru, ond mae gennym swm canlyniadol o £360 miliwn ar gyfer y flwyddyn nesaf wedi'i gyhoeddi, ac mae'r busnesau manwerthu, yn ogystal â'r busnesau lletygarwch a hamdden, yn fusnesau sydd mewn cysylltiad uniongyrchol â'r cyhoedd a byddem yn disgwyl iddynt gael eu heffeithio'n arbennig gan y coronafeirws a holl oblygiadau hynny. Ac mae'r hyn y mae'r Canghellor wedi'i gyhoeddi ar lefel y DU ar gyfer Lloegr yn ymddangos i mi yn ffordd eithaf effeithiol o gael arian i'r busnesau hynny, gan gynnwys y rhai na roesoch unrhyw farn arnynt, y rhai sy'n cael y rhyddhad ardrethi i fusnesau bach yn Lloegr, sy'n cael £3,000 i bob busnes drwy'r awdurdod lleol. Mae hynny'n mynd i wneud gwahaniaeth sylweddol iawn o ran lliniaru rhai o'r effeithiau i lawer o'r busnesau hynny. A buaswn yn annog y Gweinidog, wrth iddi amsugno'r hyn sydd wedi digwydd yn y gyllideb ar lefel y DU, ond hefyd wrth iddi ystyried y £360 miliwn a beth a ddaw o hwnnw, o gymharu â'r hyn roedd yn disgwyl ei weld neu'r hyn nad oedd yn disgwyl ei weld yn y gyllideb hon o bosibl, rwy'n gobeithio y bydd rhyddhad ardrethi busnes yn faes lle y gall ddefnyddio rhywfaint o'r arian hwnnw. Tybed a gaf fi ofyn am Fanc Datblygu Cymru hefyd? Soniais am gronfa fenthyciad Banc Busnes Prydain ar gyfer dechrau busnes a gallaf gadarnhau y byddant yn gymwys i bob busnes yn y DU - y benthyciadau dechrau busnes a'r cynnydd. Ond sut y maent yn cysylltu â'r hyn sydd ar gael gan fanc datblygu Cymru? A oes llawer o orgyffwrdd? A all busnesau elwa o'r ddwy ffynhonnell neu a oes rhaid iddynt ddewis y naill neu'r llall? A pha rôl y mae hi'n ei gweld ar gyfer banc datblygu Cymru ar gyfer lliniaru effaith y coronafeirws? Dylai'r busnesau y mae ganddo berthynas â hwy eisoes fod mewn sefyllfa dda i ddarparu cymorth cyfalaf gweithio pan fo hynny'n angenrheidiol. Ond beth sy'n digwydd i'w fenthyciadau datblygu eiddo sylweddol iawn, sydd wedi cael eu hailgylchu dro ar ôl tro ac sydd wedi bod yn eithaf llwyddiannus hyd yma, os yw datblygwyr yn ei chael hi'n anodd gwerthu'r eiddo hwnnw ymlaen? Onid oes perygl y bydd yr arian hwnnw'n cael effaith lai cadarnhaol ar yr economi ar yr un adeg yn union ag y mae coronafeirws yn taro, os nad yw'r datblygwyr hynny ar gael i ailgylchu a thalu'r arian yn ôl mor gyflym ag y byddent wedi'i wneud fel arall? Ac a oes unrhyw rôl i fanc datblygu Cymru yn cefnogi busnesau eraill yn benodol ar gyfer coronafeirws ac anghenion cyfalaf gweithio pan nad oes ganddo'r berthynas fusnes honno'n barod na gwybodaeth am eu hanghenion cyfalaf gweithio?