English: I thank the Member. Rhun, thank you for raising that again, because this has been raised with me by many Senedd Members, that voluntary organisations are experiencing difficulties with regard to access to banking services. There are difficulties in terms of identifying an account that's free and suitable for the needs of a voluntary organisation, as well as even being able to open one in the first place. You've acknowledged the role of the credit unions, who can provide accounts and banking facilities to charitable organisations. I don't think everybody, perhaps, is aware of that. But also, many of you will know of the work of Purple Shoots, which is a pioneering microloans charity that's developed in Wales. They're now working very closely with credit unions to help them facilitate this. We can't let the banks off the hook, as far as I'm concerned, on this, and we are meeting with them to, yet again, not just talk about the extent of the closures - we're all getting them daily, almost, aren't we - but the fact that this is excluding people and charitable organisations. We do, though, have an opportunity as well, with the third sector support that we've got from our county voluntary councils, along with the WCVA. They are establishing a community asset loan fund, and they are going to have funding that we are helping them with - a pot of £2 million in financial transaction capital. They can offer loans, for example, for organisations seeking to take on community assets. Also, they can get loans to help build up credit history for voluntary organisations. But I'm certainly going to be taking this back to the banking sector with my colleague Vaughan Gething as well. This is crucial. It's much reserved, but Banc Cambria is on its way.
Welsh: Diolch i'r Aelod. Rhun, diolch ichi am godi hynny eto, oherwydd mae llawer o Aelodau'r Senedd wedi codi hyn gyda mi, fod sefydliadau gwirfoddol yn cael anawsterau wrth geisio mynediad at wasanaethau bancio. Ceir anhawster i gael cyfrif sy'n rhad ac am ddim ac sy'n addas ar gyfer anghenion sefydliad gwirfoddol, yn ogystal ag anhawster i allu agor un yn y lle cyntaf hyd yn oed. Rydych wedi cydnabod rôl yr undebau credyd, sy'n gallu darparu cyfrifon a chyfleusterau bancio i sefydliadau elusennol. Nid wyf yn credu bod pawb yn ymwybodol o hynny o bosibl. Ond hefyd, bydd llawer ohonoch yn gwybod am waith Purple Shoots, elusen microfenthyciadau arloesol sydd wedi'i datblygu yng Nghymru. Maent bellach yn gweithio'n agos iawn gydag undebau credyd i'w helpu i hwyluso hyn. Yn fy marn i, ni allwn adael i'r banciau droi cefn ar eu cyfrifoldeb, ac rydym yn cyfarfod â hwy, unwaith eto, nid yn unig i siarad am nifer y banciau sy'n cau - rydym i gyd yn eu gweld yn ddyddiol, bron, onid ydym - ond y ffaith bod hyn yn eithrio pobl a sefydliadau elusennol. Fodd bynnag, mae gennym gyfle hefyd, gyda'r gefnogaeth trydydd sector a gawn gan ein cynghorau gwirfoddol sirol, ynghyd â CGGC. Maent yn sefydlu cronfa benthyciadau asedau cymunedol, a byddwn yn eu helpu gyda chyllid - £2 filiwn mewn cyfalaf trafodiadau ariannol. Gallant gynnig benthyciadau, er enghraifft, i sefydliadau sy'n ceisio caffael ased cymunedol. Hefyd, gallant gael benthyciadau i'w helpu i adeiladu hanes credyd ar gyfer sefydliadau gwirfoddol. Ond yn sicr byddaf yn mynd â hyn yn ôl i'r sector bancio gyda fy nghyd-Aelod, Vaughan Gething, hefyd. Mae hyn yn hollbwysig. Mae'n sicr yn fater a gedwir yn ôl, ond mae Banc Cambria ar ei ffordd.