English: Financial services are not a devolved matter. However we have an ambition to help improve access to local services, which is why we're engaged with the Monmouthshire Building Society on a programme to try to regenerate community banking in a range of communities in Wales. I recognise that, within the over 100 closures across the UK, 12 of those HSBC closures will be in Wales. It's part of the trend we've seen a part of the changing way consumers choose to bank, and what that means is there's a divide in the way that different people access banking. So, it's partly a rural issue, and it's also issue in urban communities as well about having access to cash. Now, my understanding is that, whilst in Denbigh's case, HSBC had created an impact analysis report, we've yet to see the stakeholder engagement report published and made available online to understand the direct cost. Now, we will carry on working with other partners in areas that we are not directly responsible for, but we're doing this because we recognise there should be real benefit for access to affordable financial services in communities that may not otherwise see them. So, we'll carry on working with our partners in Monmouthshire Building Society, we'll carry on in our conversations with the UK Government, and we look forward to seeing whether banking hubs really will provide the scale and the pace of roll-out to try to match the pace and the scale of branch closures. I'm not optimistic that we'll see a match between those two, but we'll carry on being engaged as constructively as we can and should be.
Welsh: Nid yw gwasanaethau ariannol yn fater sydd wedi ei ddatganoli. Ond mae gennym ni uchelgais i helpu i wella mynediad at wasanaethau lleol, a dyna pam rydyn ni'n ymwneud â Chymdeithas Adeiladu Sir Fynwy ar raglen i geisio adfywio bancio cymunedol mewn amrywiaeth o gymunedau yng Nghymru. Rwy'n cydnabod, o fewn y dros 100 o fanciau i gau ledled y DU, y bydd 12 o'r canghennau HSBC hynny sy'n cau yng Nghymru. Mae'n rhan o'r duedd rydyn ni wedi gweld, rhan o'r ffordd sy'n newid mae defnyddwyr yn dewis bancio, a beth mae hynny'n ei olygu yw bod rhaniad yn y ffordd mae gwahanol bobl yn cael mynediad at fancio. Felly, mae'n fater gwledig yn rhannol, ac mae hefyd yn broblem mewn cymunedau trefol yn ogystal â chael mynediad at arian parod. Nawr, fy nealltwriaeth i yw, er yn achos Dinbych, bod HSBC wedi creu adroddiad dadansoddi effaith, nid ydym eto wedi gweld yr adroddiad ymgysylltu â rhanddeiliaid yn cael ei gyhoeddi ac ar gael ar-lein er mwyn deall y gost uniongyrchol. Nawr, byddwn ni'n parhau i weithio gyda phartneriaid eraill mewn ardaloedd nad ydym ni'n uniongyrchol gyfrifol amdanynt, ond rydym ni'n gwneud hyn oherwydd ein bod ni'n cydnabod y dylai fod budd gwirioneddol i gael mynediad at wasanaethau ariannol fforddiadwy mewn cymunedau na fydd efallai'n eu gweld fel arall. Felly, byddwn ni'n parhau i weithio gyda'n partneriaid yng Nghymdeithas Adeiladu Sir Fynwy, byddwn ni'n cynnal ein sgyrsiau gyda Llywodraeth y DU, ac edrychwn ymlaen at weld a fydd canolfannau bancio mewn gwirionedd yn darparu graddfa a chyflymder cyflwyno i geisio paru cyflymder a nifer o ganghennau sy'n cau. Nid wyf yn obeithiol y byddwn ni'n gweld paru rhwng y ddau, ond byddwn yn parhau i ymgysylltu mor adeiladol ag y gallwn ni ac y dylen ni fod.