English: It is a very real problem, Andrew, and I have it in my own constituency. There is not a single high-street branch now in the upper Rhymney valley, and we've now had to rely on mobile branches. So, Lloyd's Bank bring a mobile branch to Rhymney. I think, potentially, the answer is to look at a more hub-type of model for branches that can move around, but that is something that we really do need to discuss with branches, because there are so many people who don't have access to banking facilities; they don't all use internet banking, so we have to find some way of doing that. So, I am very sorry to hear that announcement, and we do need to try to find some solutions to that. What I would say, however, is from the £20.9 million that we are investing, that is building on the success of Business Wales that we've seen to date. Since 2016, Business Wales has advised over 45,000 individual entrepreneurs and businesses, helping to establish almost 800 new enterprises and supporting businesses to create 32,500 new jobs. In terms of value for money, we know that every £1 invested in Business Wales can be linked to a minimum £10 and up to £18 of net GVA uplift per annum. And those businesses that have received support have a 77 per cent survival rate over four years, compared with the unsupported average of 33 per cent. Now, the Welsh Government is also supporting small businesses with its small business rates relief scheme. And while we are doing all that we can to support small businesses, it is crucial that the UK Government honours its commitment and works to add value to Welsh Government interventions and to use the levers that it has to better support small businesses in Wales. Through the economic mission, we are taking bold action to support stronger local economies and the essential job of tackling poverty. And I hear what Heledd Fychan has said about flooding and the inability of local businesses to get insurance for that, and that is certainly something that I will talk to my colleagues, the Minister for Climate Change and the Minister for Economy about, although I can obviously make no guarantees on that one today. But we are also using our procurement levers to enable small businesses to benefit from public sector procurement opportunities. Billions of pounds-worth of contracts are advertised through Sell2Wales, and through collaboration with public sector buyers, Business Wales encourages our small businesses to develop their tendering capabilities to win more business. Through a wider commitment to improving supply chains, we support businesses to sign up to the ethical supply chain code of practice, and we are committed to the benefits of procurement levers and are putting social partnership on a statutory footing through the Social Partnership and Public Procurement (Wales) Bill. So, Small Business Saturday is a great initiative to shine a light on the importance of supporting the retail and hospitality sectors, which, of course, are key parts of the foundational economy. So, I'm supportive of the motion that has been proposed, and we'll continue to do all that we can to support micros and SMEs here in Wales, and I would encourage everyone across Wales to shop locally and to support our independent small businesses, not just on Small Business Saturday but throughout the year so that we can retain and grow local wealth in communities across Wales. Diolch yn fawr.
Welsh: Mae'n broblem real iawn, Andrew, ac rwy'n ei weld yn fy etholaeth fy hun. Nid oes unrhyw gangen stryd fawr yng nghwm Rhymni uchaf nawr, ac rydym bellach wedi gorfod dibynnu ar ganghennau symudol. Felly, mae Banc Lloyd's yn dod â changen symudol i Rhymni. Rwy'n credu mai'r ateb o bosibl yw edrych ar fodel mwy tebyg i hyb ar gyfer canghennau sy'n gallu symud o gwmpas, ond mae hynny'n rhywbeth y mae gwir angen inni ei drafod gyda changhennau, oherwydd mae cymaint o bobl heb fynediad at gyfleusterau bancio; nid yw pawb ohonynt yn defnyddio bancio ar y rhyngrwyd, felly mae'n rhaid inni ddod o hyd i ffordd o wneud hynny. Felly, mae'n ddrwg iawn gennyf glywed y cyhoeddiad hwnnw, ac mae angen inni geisio dod o hyd i atebion ar gyfer hynny. Fodd bynnag, o'r £20.9 miliwn rydym yn ei fuddsoddi, mae hwnnw'n adeiladu ar lwyddiant Busnes Cymru a welsom hyd yma. Ers 2016, mae Busnes Cymru wedi cynghori dros 45,000 o entrepreneuriaid a busnesau unigol, gan helpu i sefydlu bron i 800 o fentrau newydd a chefnogi busnesau i greu 32,500 o swyddi newydd. O ran gwerth am arian, rydym yn gwybod y gall pob £1 a fuddsoddwyd ym Musnes Cymru gael ei chysylltu ag isafswm o £10 a hyd at £18 o gynnydd gwerth ychwanegol gros net y flwyddyn. Ac mae gan y busnesau sydd wedi cael cefnogaeth gyfradd oroesi o 77 y cant dros bedair blynedd, o'i gymharu â'r cyfartaledd o 33 y cant i rai nad ydynt yn cael cymorth. Nawr, mae Llywodraeth Cymru hefyd yn cefnogi busnesau bach gyda'i chynllun rhyddhad ardrethi busnesau bach. Ac er ein bod yn gwneud popeth yn ein gallu i gefnogi busnesau bach, mae'n hanfodol fod Llywodraeth y DU yn cadw ei hymrwymiad ac yn gweithio i ychwanegu gwerth i ymyriadau Llywodraeth Cymru ac i ddefnyddio'r ysgogiadau sydd ganddi i gefnogi busnesau bach yn well yng Nghymru. Drwy'r genhadaeth economaidd, rydym yn cymryd camau beiddgar i gefnogi economïau lleol cryfach a'r gwaith allweddol o drechu tlodi. Ac rwy'n clywed yr hyn y mae Heledd Fychan wedi'i ddweud am lifogydd ac anallu busnesau lleol i gael yswiriant ar gyfer hynny, ac mae hynny'n sicr yn rhywbeth y byddaf yn siarad â fy nghyd-Weinidogion, y Gweinidog Newid Hinsawdd a Gweinidog yr Economi yn ei gylch, er na allaf roi unrhyw sicrwydd ynghylch hynny heddiw wrth gwrs. Ond rydym hefyd yn defnyddio ein hysgogiadau caffael i alluogi busnesau bach i elwa ar gyfleoedd caffael y sector cyhoeddus. Caiff gwerth biliynau o bunnoedd o gontractau eu hysbysebu drwy GwerthwchiGymru a thrwy gydweithredu â phrynwyr y sector cyhoeddus. Mae Busnes Cymru yn annog ein busnesau bach i ddatblygu eu galluoedd tendro er mwyn ennill mwy o fusnes. Drwy ymrwymiad ehangach i wella cadwyni cyflenwi, rydym yn cynorthwyo busnesau i gefnogi codau ymarfer ar gyflogaeth foesegol mewn cadwyni cyflenwi, ac rydym wedi ymrwymo i fanteision ysgogiadau caffael ac yn rhoi partneriaeth gymdeithasol ar sail statudol drwy Fil Partneriaeth Gymdeithasol a Chaffael Cyhoeddus (Cymru). Felly, mae Dydd Sadwrn y Busnesau Bach yn fenter wych i daflu goleuni ar bwysigrwydd cefnogi'r sectorau manwerthu a lletygarwch, sydd, wrth gwrs, yn rhannau allweddol o'r economi sylfaenol. Felly, rwy'n cefnogi'r cynnig sydd wedi'i wneud, a byddwn yn parhau i wneud popeth a allwn i gefnogi microfusnesau, a busnesau bach a chanolig yma yng Nghymru, a hoffwn annog pawb ledled Cymru i siopa'n lleol a chefnogi ein busnesau bach annibynnol, nid yn unig ar Ddydd Sadwrn y Busnesau Bach ond drwy gydol y flwyddyn fel y gallwn gadw a thyfu cyfoeth lleol mewn cymunedau ledled Cymru. Diolch yn fawr.