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.