English: Cabinet Secretary, the figures I have are that 152 banks have closed between 2011 and 2016, with 20 more to close in 2018 - there are yet another two in my constituency, in Treforest and Talbot Green. The most worrying aspect to this is the total lack of any social or community responsibility from the banks, even in terms of the most basic consultation with those particular communities. I've met consistently with banks every time a closure has been announced. These are corporate decisions that are taken - there is no engagement, no consultation. When you ask about other banks, because one bank will say, 'Well, we're closing Pontyclun because you can now use Talbot Green', the next one is that Talbot Green closes, and they say, 'Ah, well, you can now use Treforest', and then they close Treforest. So, every time we discuss these matters with the banks, not only have they broken all of the promises they made - they did at one stage have an agreement that there would be no bank that would be the last bank, they agreed it with the trade unions, and that's been broken. It seems to me that there is a total contempt, almost, for the concept of customer service in favour of product sales from centralised and online banking. What I'd ask for - . I welcome what you say about the Post Office and credit unions, because it seems to me that those are things that we have to look at, but it does seem to me that we do have to press - I understand that this is undoubtedly a UK Government matter - for a statutory basis to consultation with banking services. Banks are all too happy to take public money when they get into a mess and they require support from public funds. It seems to me that it is not unreasonable, as the Labour opposition in Westminster has asked for, for there to be a statutory obligation on banks to provide a public service and at least to have a meaningful statutory consultation process.
Welsh: Ysgrifennydd y Cabinet, y ffigurau sydd gennyf fi yw bod 152 o fanciau wedi cau rhwng 2011 a 2016, gyda 20 yn rhagor i gau yn 2018 - mae dau arall eto yn fy etholaeth, yn Nhrefforest a Thonysguboriau. Yr agwedd fwyaf pryderus ar hyn yw diffyg unrhyw gyfrifoldeb cymdeithasol neu gymunedol gan y banciau, hyd yn oed o ran yr ymgynghoriad mwyaf sylfaenol gyda'r cymunedau penodol hynny. Rwyf wedi cyfarfod yn gyson â banciau bob tro y cyhoeddwyd bod un i'w gau. Penderfyniadau corfforaethol yw'r rhain - nid oes unrhyw ymgysylltu, nac ymgynghori. Pan ofynnwch am fanciau eraill, oherwydd bydd un banc yn dweud, 'Wel, rydym yn cau Pont-y-clun am eich bod bellach yn gallu defnyddio banc Tonysguboriau', yr un nesaf yw bod Tonysguboriau'n cau, ac maent yn dweud, 'A, wel, gallwch ddefnyddio Trefforest bellach', ac yna maent yn cau Trefforest. Felly, bob tro y byddwn yn trafod y materion hyn gyda'r banciau, nid yn unig eu bod wedi torri pob addewid a wnaethant - roedd ganddynt gytundeb ar un adeg na fuasai'r un banc yn fanc olaf, cafodd ei gytuno â'r undebau llafur, ac mae'r addewid hwnnw wedi'i dorri. Mae'n ymddangos i mi fod dirmyg llwyr, bron, tuag at y cysyniad o wasanaeth cwsmeriaid o blaid gwerthu cynnyrch drwy fancio canolog ac ar-lein. Yr hyn y buaswn yn gofyn amdano - . Rwy'n croesawu'r hyn a ddywedwch am Swyddfa'r Post ac undebau credyd, oherwydd ymddengys i mi fod y rheini'n bethau sy'n rhaid inni edrych arnynt, ond mae'n ymddangos i mi fod fod yn rhaid inni bwyso - deallaf mai mater i Lywodraeth y DU yw hyn yn ddi-os - am sail statudol ar gyfer ymgynghori â gwasanaethau bancio. Nid yw'r banciau ond yn rhy hapus i dderbyn arian cyhoeddus pan fyddant mewn trafferth ac angen cymorth o gronfeydd cyhoeddus. Mae'n ymddangos i mi nad yw'n afresymol gosod rhwymedigaeth statudol ar fanciau i ddarparu gwasanaeth i'r cyhoedd, fel y mae'r wrthblaid Lafur yn San Steffan wedi gofyn amdano, a chael proses ymgynghori statudol ystyrlon fan lleiaf.