Plaid Cymru

Areithiau a chwestiynau

Areithiau a chwestiynau yn y Cyfarfod Llawn ac mewn pwyllgorau, y diweddaraf yn gyntaf. Dyw gwaith y Llywydd a'r dirprwyon yn cadeirio'r Cyfarfod Llawn ddim wedi'i gynnwys.

5,286 o areithiau a chwestiynau

18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
But from a staff and sales staff—
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
So, it goes on salaries. Do any of your staff then receive any bonuses?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
And how much profit would you make out of that?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Thanks, Rhianon. Peter.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
I think you've got one last question, haven't you, Rhianon?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Great.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
But there is an opportunity that you might overpay, if you like.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
For each Welsh Government department.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Rhianon.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Shall we bring Mike in? There we are. There we are, Mike.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Rhianon, I took over there. And even Mike's got his hand up now, so I don't know—
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
So, you're doing some mezzanine financing with that type of—
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
And what is your minimum and maximum loan size?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
And what's your average?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Sorry, just on some of those higher risk elements, do you then take—? Obviously, you might take a slightly larger equity stake or you might increase the interest rate. Do you secure any of that against assets at all, or against property?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Fair enough.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Who does that?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
The source, where it comes from. Okay. Thank you very much. I'm going to bring Rhianon Passmore in with some questions now. Rhianon, over to you.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Is the FTC—sorry, yes. But are people aware of that? Are your customers aware of that, and therefore they understand? They might not understand the intricacies of FTC, but they understand that the money—.
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Does the transparency around that it is Government funds—? Sixty-five per cent of your business is Government funds coming in. Is that transparency there for the people you're lending to so that they—
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Because why come to you if they can go to a high-street bank and get better commercial terms, I suppose?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
And those interest margins or terms, are they comparable to high-street banks, or do you price for risk, because—?
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
So, there is an ethical lending test—
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
I'll move on to Rhianon in a second, now, to ask some questions. So, what criteria do the individual organisations have to fulfil to get into some of these funds? So, I suppose, the restrictions on the fund are probably tighter than they would be for FTC, to…
18 Gorffennaf 2024Finance Committee
Cyfalaf Trafodion Ariannol: Sesiwn dystiolaeth 1
Mike Hedges wanted to come in, so you might need to—. There you are—you're unmuted, Mike.