I am also a member of the Treasury Committee, and I thank the Chair for all her hard work on this report.

On the overall question of the confidence of SMEs in their ability to access finance, the report raises some interesting figures. There was a £95 billion finance gap in large high street bank lending to SMEs between 2015 and 2022, alongside the softer pressures of SMEs fearing rejection in lending and the lack of trust in the lenders themselves. Will the Chair please provide an assessment of how she feels that appetite looks across the rest of this year and beyond? What tools are at our disposal to deal with the inherent caution in the SME lending market?