“Mae’r flwyddyn a aeth heibio wedi bod yn un eithriadol o anodd i fusnesau, ac mae’r heriau’n parhau. Er y bydd yn rhaid delio â sefyllfaoedd wrth iddyn nhw godi, rhaid hefyd edrych tua’r dyfodol a meddwl sut y gallwn ailadeiladu.
“The past year has been exceptionally challenging and difficult for businesses, and those challenges are continuing.  While we tackle and deal with the immediate situation we must also look to the future and how we will rebuild.