English: That's a fair question, and, look, what we're looking at is, we're looking at something that would be a proper investment proposal on a commercial basis. So, it's not as if we're looking to provide preferential lines of credit; it's about finding a partner who can provide a proper detailed commercial investment proposal, provide a return on an investment that the Welsh Government would make. And so, there would be proper due diligence about that, and this wouldn't be, sort of, preferential, 'We're looking after one institution.' And, actually, there was an open call, and Banc Cambria themselves did go out and look for a range of institutions to work with and talk to. Monmouthshire Building Society wanted to do this, were prepared to do this, and recognised it requires the organisation to be committed in a way that some institutions didn't want to be. Now, that's entirely fair. It's for each institution to decide how it wants to manage itself and direct its own energies. I'm really pleased to have Monmouthshire as a trusted partner, working with us now. And I should say that we really have taken on board the recommendations from the former EIS committee that the Member chaired - I'd probably agree with a great deal more things he said as committee Chair than in his current role. But, no, we really have taken seriously what the committee said, and it's been really useful for us to be able to work from a basis where we know there's cross-party support and we can look to deliver something that should make a difference, where everyone can recognise we're doing something to address a real need. Regardless of how people vote, there's a real need across Wales for us to do something to plug this gap in local banking services.
Welsh: Mae hwnnw'n gwestiwn teg, ac, edrychwch, yr hyn yr ydym ni'n edrych arno yw, rydym ni'n edrych ar rywbeth a fyddai'n gynnig buddsoddi priodol ar sail fasnachol. Felly, nid yw fel pe baem ni'n ceisio darparu llinellau credyd ffafriol; mae'n ymwneud â dod o hyd i bartner a all ddarparu cynnig buddsoddi masnachol manwl iawn, darparu elw ar fuddsoddiad y byddai Llywodraeth Cymru yn ei wneud. Ac felly, byddai gwaith diwydrwydd dyladwy priodol ynghylch hynny, ac ni fyddai hyn, mewn ffordd, yn dangos ffafriaeth, 'Rydym ni'n gofalu am un sefydliad.' Ac, mewn gwirionedd, roedd galwad agored, ac aeth Banc Cambria ati eu hunain i chwilio am amrywiaeth o sefydliadau i weithio gyda nhw a siarad â nhw. Roedd Cymdeithas Adeiladu Sir Fynwy eisiau gwneud hyn, yn barod i wneud hyn, ac yn cydnabod bod angen i'r sefydliad fod wedi ymrwymo mewn ffordd nad oedd ar rai sefydliadau eisiau bod. Nawr, mae hynny'n gwbl deg. Mater i bob sefydliad yw penderfynu sut y mae am reoli ei hun a buddsoddi ei egni ei hun. Rwy'n falch iawn o fod â Chymdeithas Adeiladu Sir Fynwy fel partner dibynadwy, yn gweithio gyda ni nawr. A dylwn i ddweud ein bod ni wedi ystyried argymhellion y cyn bwyllgor Economi, Seilwaith a Sgiliau a gadeiriwyd gan yr Aelod - mae'n debyg y byddwn yn cytuno â llawer mwy o bethau a ddywedodd fel Cadeirydd y pwyllgor nag yn ei swyddogaeth bresennol. Ond, na, rydym ni wedi cymryd o ddifrif yr hyn a ddywedodd y pwyllgor, ac mae wedi bod yn ddefnyddiol iawn i ni allu gweithio o sail lle gwyddom ni fod cefnogaeth drawsbleidiol ac y gallwn ni geisio darparu rhywbeth a ddylai wneud gwahaniaeth, lle gall pawb gydnabod ein bod ni'n gwneud rhywbeth i fynd i'r afael ag angen gwirioneddol. Ni waeth sut y mae pobl yn pleidleisio, mae gwir angen ledled Cymru i ni wneud rhywbeth i lenwi'r bwlch hwn mewn gwasanaethau bancio lleol.