English: Well, I'm sure the good people at Banc Cambria will have heard you before today, as well as today, and I know that they'll be taking an interest in today's debate across the Senedd. Look, we expect to receive an investment proposal over the next calendar year, so during 2022, and we'll then need to go through our due diligence exercise, as I've indicated before. So, I can't give you an exact timescale for that. But the outline expectation is that before the end of 2023 we might see branches starting to open. We'll need to see the detail of that and where they'll be in the investment proposal, and it is a matter for Banc Cambria to bring their proposal forward and to set out how they would look to site new branches and where they would start. I'm sure that there will be other bids, but, as I say, the Member's been very consistent about Banc Cambria. It is worth pointing out, when I talked earlier about agency agreements, one of the things that Banc Cambria have already done is to do some work with the Cambrian Credit Union in north Wales, to look at a potential agency agreement that again may help to spread the reach of those services and to do so in a way that is a genuine partnership, rather than a competition with credit union services as well. There is a range of things that come from that, and that's why I tried to set out that I look forward to coming back with more detail to generate the establishment of a branch, and it will then neatly segue into the social justice and community banking sector in a way that I think the Minister for Social Justice would then become the lead Minister, once it's properly established.
Welsh: Wel, rwy'n siŵr y bydd y bobl dda ym Manc Cambria wedi'ch clywed chi cyn heddiw, yn ogystal â heddiw, ac rwy'n gwybod y byddan nhw'n ymddiddori yn y ddadl heddiw y mae'r holl Senedd yn rhan ohoni. Edrychwch, rydym yn disgwyl derbyn cynnig buddsoddi dros y flwyddyn galendr nesaf, felly yn ystod 2022, a bydd angen i ni wedyn gynnal ein hymarfer diwydrwydd dyladwy, fel yr wyf wedi'i nodi o'r blaen. Felly, ni allaf roi union amserlen i chi ar gyfer hynny. Ond y disgwyliad amlinellol yw y gallem ni weld canghennau'n dechrau agor cyn diwedd 2023. Bydd angen i ni weld manylion hynny a ble y byddant yn y cynnig buddsoddi, a mater i Fanc Cambria yw cyflwyno eu cynnig ac i nodi sut y bydden nhw'n ceisio lleoli canghennau newydd a ble y bydden nhw'n dechrau arni. Rwy'n siŵr y bydd ceisiadau eraill, ond, fel y dywedais i, mae'r Aelod wedi bod yn gyson iawn am Fanc Cambria. Mae'n werth nodi, pan siaradais yn gynharach am gytundebau asiantaeth, mai un o'r pethau y mae Banc Cambria eisoes wedi'i wneud yw rhywfaint o waith gydag Undeb Credyd y Cambrian yn y gogledd i edrych ar gytundeb asiantaeth posibl a allai eto helpu i sicrhau fod y gwasanaethau hynny ar gael i fwy o bobl ac i wneud hynny mewn ffordd sy'n bartneriaeth wirioneddol, yn hytrach nag mewn modd a fydd yn cystadlu â gwasanaethau undebau credyd hefyd. Mae amrywiaeth o bethau'n dod o hynny, a dyna pam y ceisiais nodi fy mod yn edrych ymlaen at allu dychwelyd yma gyda mwy o fanylion fel y gellir dechrau sefydlu canghennau, ac yna bydd hynny'n ffitio'n daclus i'r sector cyfiawnder cymdeithasol a bancio cymunedol mewn ffordd y credaf y byddai'r Gweinidog Cyfiawnder Cymdeithasol wedyn yn Weinidog arweiniol, unwaith y bydd wedi'i sefydlu'n iawn.