techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: Well, I note the cross-party group today, which I couldn't attend, referred to that and the development of the group working in Banc Cambria to take forward your proposals for a community bank. Of course, these run in parallel to the development of the Post Office banking framework agreement with 28 UK banks to enable customers on the high street to access wider banking services, and the proposals two years ago from Responsible Finance Wales, for others, for groups, to work together to develop a community bank model. And, of course, I used to work in one of the forebears of the community banks - one of the mutual building societies. However, when I raised with the First Minister at that time, in 2010, the risk management and capital adequacy requirements and regulation a new bank would have to comply with, which an established bank partner would not, the then First Minister agreed that setting up a new bank can be, quote, 'a costly and protracted business if you start from scratch, and using the expertise that is already in the sector to develop a social model of banking makes sense'. What discussion have you and your colleagues therefore had, in consultation with consumer groups and industry experts, regarding the feasibility of a community bank in Wales reflecting those core banking needs, regulations and principles?
Welsh: Wel, sylwaf fod y grŵp trawsbleidiol heddiw, na allwn fynd iddo, wedi cyfeirio at hynny a datblygiad y grŵp sy'n gweithio ym Manc Cambria i fwrw ymlaen â'ch cynigion ar gyfer banc cymunedol. Wrth gwrs, mae'r rhain yn cydredeg â datblygu cytundeb fframwaith bancio Swyddfa'r Post gyda 28 o fanciau yn y DU i alluogi cwsmeriaid ar y stryd fawr i allu manteisio ar wasanaethau bancio ehangach, a'r cynigion ddwy flynedd yn ôl gan Cyllid Cyfrifol Cymru, er mwyn i eraill, er mwyn i grwpiau, gydweithio i ddatblygu model banc cymunedol. Ac, wrth gwrs, roeddwn i'n arfer gweithio yn un o ragflaenwyr y banciau cymunedol - un o'r cymdeithasau adeiladu cydfuddiannol. Fodd bynnag, pan godais gyda'r Prif Weinidog ar y pryd, yn 2010, y gofynion a'r rheoliadau rheoli risg a digonolrwydd cyfalaf y byddai'n rhaid i fanc newydd gydymffurfio â nhw, na fyddai'n rhaid i bartner banc sefydledig ei wneud, cytunodd y Prif Weinidog ar y pryd y gall sefydlu banc newydd fod, a dyfynnaf, yn fusnes drud a hirfaith os ydych chi'n dechrau o'r dechrau, ac mae defnyddio'r arbenigedd sydd eisoes yn y sector i ddatblygu model bancio cymdeithasol yn gwneud synnwyr. Pa drafodaethau ydych chi a'ch cyd-Weinidogion wedi eu cael, felly, mewn ymgynghoriad â grwpiau defnyddwyr ac arbenigwyr yn y diwydiant, ynghylch dichonoldeb cael banc cymunedol yng Nghymru sy'n adlewyrchu'r anghenion, y rheoliadau a'r egwyddorion bancio craidd hynny?
English: Well, Llywydd, I thank Mark Isherwood for that question. He is quite right to say that the business of setting up a new bank has significant regulatory hurdles to overcome and that it can be a protracted business. But that is why we are working with the Community Savings Bank Association. And in that way, the landscape has changed since 2010, because the Community Savings Bank Association, coming out of work carried out by the Royal Society of Arts, has financed itself and led preparation of constitutional documents, IT systems, branch designs, payment system links, product specifications, and, critically, banking licence application documents. So, there is now a great deal more work that has been done by a group of experts that gives us the foundation for what Banc Cambria can do here in Wales. The banking licence application document, particularly, breaks the process of obtaining a licence into a number of manageable phases. And that's the way that we intend to work through the process in Wales, taking it a step at a time. That's why the initial market assessment and feasibility study is so important, because it will test those basic questions of viability and sustainability, and then we will move to the next stage, working with 11 other initiatives that are at various stages of progress across the United Kingdom, each one of them under the umbrella of the Community Savings Bank Association, giving us the confidence here in Wales that we have the advice we need to make a success of our ambition to establish a community bank.
Welsh: Wel, Llywydd, diolchaf i Mark Isherwood am y cwestiwn yna. Mae'n hollol iawn i ddweud bod gan y busnes o sefydlu banc newydd rwystrau rheoleiddio sylweddol i'w goresgyn ac y gall fod yn fusnes hirfaith. Ond dyna pam yr ydym ni'n gweithio gyda'r Gymdeithas Banc Cynilion Cymunedol. Ac yn y modd hwnnw, mae'r sefyllfa wedi newid ers 2010, gan fod y Gymdeithas Banc Cynilion Cymunedol, sy'n deillio o waith a wnaed gan Gymdeithas Frenhinol y Celfyddydau, wedi ariannu ei hun ac wedi arwain y gwaith o baratoi dogfennau cyfansoddiadol, systemau TG, dyluniadau canghennau, cysylltiadau system daliadau, manylebau cynnyrch, ac, yn hanfodol, dogfennau cais am drwydded fancio. Felly, mae llawer mwy o waith wedi'i wneud erbyn hyn gan grŵp o arbenigwyr sy'n rhoi'r sylfaen i ni ar gyfer yr hyn y gall Banc Cambria ei wneud yma yng Nghymru. Mae'r ddogfen cais am drwydded fancio, yn arbennig, yn rhannu'r broses o gael trwydded i nifer o gamau y gellir eu rheoli. A dyna'r ffordd yr ydym ni'n bwriadu gweithio drwy'r broses yng Nghymru, gan symud ymlaen un cam ar y tro. Dyna pam mae'r asesiad cychwynnol o'r farchnad a'r astudiaeth o ddichonoldeb mor bwysig, gan y bydd yn profi'r cwestiynau sylfaenol hynny ynghylch hyfywedd a chynaliadwyedd, ac yna byddwn yn symud ymlaen i'r cam nesaf, gan weithio gydag 11 o fentrau eraill sydd ar wahanol gamau o gynnydd ar draws y Deyrnas Unedig, pob un ohonyn nhw o dan ambarél y Gymdeithas Banc Cynilion Cymunedol, gan roi'r hyder i ni yma yng Nghymru bod gennym ni'r cyngor sydd ei angen arnom i lwyddo yn ein huchelgais o sefydlu banc cymunedol.
English: I'm sure it would be easier if we had our own regulatory rules in order to establish such a bank, but we as a party have supported having a community bank for many years, and I look forward to having an account in our community bank here in Wales. And, of course, this is a response now to the fact that high-street banks have left our communities in the numbers that we have seen over the past few years. Would you agree with me that the fact that we have failed to regulate and failed to put conditions on those banks has left us in this position where we have seen that exodus of financial services from our high streets in the way that we have seen over the past few years?
Welsh: Dwi'n siŵr buasai'n haws pe bai gennym ni'n trefniadau rheoleiddio ein hunain o ran sefydlu banc o'r math yma. Ond dŷn ni fel plaid wedi cefnogi cael banc cymunedol ers blynyddoedd. Dwi'n edrych ymlaen i gael cyfrif yn ein banc cymunedol ni yma yng Nghymru. Ond, wrth gwrs, ymateb ydy hyn rŵan i'r ffaith fod banciau't stryd fawr wedi gadael ein cymunedau ni yn y niferoedd dŷn ni wedi'u gweld dros y blynyddoedd diwethaf. A fyddech chi'n cytuno efo fi fod y ffaith ein bod ni wedi methu â rheoleiddio, wedi methu â gosod amodau ar y banciau hynny, wedi'n gadael ni yn y sefyllfa yma lle dŷn ni wedi gweld yr ecsodus o wasanaethau ariannol o'r stryd fawr yn y modd dŷn ni wedi ei weld yn y blynyddoedd diwethaf?
English: Well, to be honest, Llywydd, it's far more complicated than to just say that it's regulatory issues that lie behind what's happened on the high street. What the banks say is that the business model that they've used over the years just doesn't work as it used to many years ago. The numbers of people using their branches have fallen, very many more people do their banking online, and so there is something about the business model, too. And that's why it's been so important to work with the Community Savings Bank Association, because they've created a new model where they are confident that it's possible to run something on the high street in a different way and which can work locally. That is why we've made progress on that. I do agree with what Rhun ap Iorwerth was saying about the problem, and the problem exists throughout the whole of Wales, as we know. But just saying that the old ways of doing things are the best ways is too simplistic and will not work. And that's why we have the new model, and we're working hard to get that model up and running here in Wales.
Welsh: Wel, i ddweud y gwir, Llywydd, mae'n fwy cymhleth na jest i ddweud mai problemau o reoleiddio sydd y tu ôl i beth sydd wedi digwydd ar y stryd fawr. Beth mae'r banciau yn ei ddweud yw nad yw'r business model maen nhw wedi'i ddefnyddio dros y blynyddoedd jest ddim yn gweithio fel oedd e beth amser yn ôl. Mae nifer y bobl sy'n defnyddio'u canghennau wedi cwympo, mae lot fwy o bobl yn gwneud y gwaith ar-lein, so mae rhywbeth yn y business model hefyd. Dyna pam mae hi wedi bod mor bwysig i weithio gyda'r Community Savings Bank Association, achos maen nhw wedi creu model newydd ble maen nhw'n hyderus ei bod hi'n bosibl rhedeg rhywbeth ar y stryd fawr mewn ffordd wahanol sy'n gallu gweithio yn lleol. A dyna pam dŷn ni wedi bwrw ymlaen. Dwi'n cytuno â beth roedd Rhun ap Iorwerth yn ei ddweud am y broblem, ac mae'r broblem ledled Cymru, dŷn ni'n gwybod. Ond mae jest dweud mai'r hen ffordd i wneud pethau yw'r ffordd orau i'w wneud e ddim yn mynd i weithio, dwi ddim yn meddwl. Dyna pam mae'r model newydd gyda ni, a dŷn ni'n trial gweithio'n galed i gael y model yna ar waith yma yng Nghymru.
English: Llywydd, the National Infrastructure Commission for Wales has made good progress in its inaugural year. Its first annual report was published, as intended, on 27 November.
Welsh: Llywydd, mae Comisiwn Seilwaith Cenedlaethol Cymru wedi gwneud cynnydd da yn ei flwyddyn gyntaf. Cyhoeddwyd ei adroddiad blynyddol cyntaf, fel y bwriadwyd, ar 27 Tachwedd.
English: I thank the First Minister for that answer. As you say, on 27 November, the commission presented its first annual report. No Assembly Members were invited, and I am informed that even the Chair of the Economy, Infrastructure and Skills Committee, Russell George, was not informed of the presentation. It would seem massively disappointing that, after sitting for 12 months, the report simply outlined a series of areas on which the future work plan will concentrate. However, just a cursory glance at this report tells us that all of these aspects have already been identified and discussed at length in Assembly committees, and in the public inquiry into the M4 relief road. It would appear to be simply a cut and paste exercise, surrounded by the usual preamble. So, First Minister, if it has taken the commission, with 12 members, 12 months to come up with the questions, how long will it take to come up with the solutions? Given this process is again a considerable cost to the taxpayer, is the First Minister truly satisfied with the progress made so far?
Welsh: Diolchaf i'r Prif Weinidog am yr ateb yna. Fel y dywedwch, ar 27 Tachwedd, cyflwynodd y comisiwn ei adroddiad blynyddol cyntaf. Ni wahoddwyd unrhyw un o Aelodau'r Cynulliad, a dywedwyd wrthyf na chafodd hyd yn oed Cadeirydd Pwyllgor yr Economi, Seilwaith a Sgiliau, Russell George, ei hysbysu am y cyflwyniad. Mae'n ymddangos yn hynod o siomedig mai'r cwbl yr oedd yr adroddiad yn ei wneud, ar ôl eistedd am 12 mis, oedd amlinellu cyfres o feysydd y bydd cynllun gwaith y dyfodol yn canolbwyntio arnynt. Fodd bynnag, mae cipolwg yn unig ar yr adroddiad hwn yn dweud wrthym ni bod yr holl agweddau hyn eisoes wedi eu nodi a'u trafod yn helaeth ym mhwyllgorau'r Cynulliad, ac yn yr ymchwiliad cyhoeddus i ffordd liniaru'r M4. Mae'n ymddangos mai'r cwbl yw hwn yw ymarfer torri a gludo, wedi'i amgylchynu gan y rhagymadrodd arferol. Felly, Prif Weinidog, os yw hi wedi cymryd 12 mis i'r comisiwn, gyda 12 aelod, lunio'r cwestiynau, pa mor hir y bydd hi'n ei gymryd i feddwl am yr atebion? O ystyried bod y broses hon yn gost sylweddol i'r trethdalwr unwaith eto, a yw'r Prif Weinidog yn wirioneddol fodlon â'r cynnydd a wnaed hyd yn hyn?
English: Llywydd, I hear around the Chamber that other Assembly Members take a different view as to whether or not invitations were issued for them to be part of the publication of the annual report. I don't agree with the Member's assessment of it. It is important that the commission provided an evidence-informed baseline assessment in its first annual report. That is what it was asked to do. It identifies the three key themes of decarbonisation, connectivity, and resilience. It identifies 10 specific key issues that it says it is going to address, and asks for views, from Assembly committees and others, as to how they might best be resolved. It sets out three areas in which it intends to concentrate over the year ahead: in digital communications, especially in low-density rural areas; in renewable energy and connections to the electricity grid; and transport, where it wants to explore issues of capacity, congestion and decarbonisation. I think the annual report is a solid start to the work of the commission, and what it will do is to respond to the report of the relevant committee, agreeing that the first state of the nation report should be in November 2021, and that it will report, as the committee recommended, every three years thereafter. The Government has undertaken to review the commission by May 2021, both its scope and remit. And I think all that demonstrates that there is an active programme of work that the commission has begun to get a proper grip of, and that there is a plan in place for it to continue to discharge that work over the years ahead.
Welsh: Llywydd, rwy'n clywed o gwmpas y Siambr fod Aelodau Cynulliad eraill â gwahanol safbwynt o ran pa un a roddwyd gwahoddiadau iddyn nhw fod yn rhan o gyhoeddi'r adroddiad blynyddol. Nid wyf i'n cytuno ag asesiad yr Aelod ohono. Mae'n bwysig bod y Comisiwn wedi darparu asesiad sylfaenol ar sail tystiolaeth yn ei adroddiad blynyddol cyntaf. Dyna a ofynnwyd iddo ei wneud. Mae'n nodi tair thema allweddol datgarboneiddio, cysylltedd, a chydnerthedd. Mae'n nodi 10 mater allweddol penodol y mae'n dweud y bydd yn rhoi sylw iddyn nhw, ac yn gofyn am sylwadau gan bwyllgorau Cynulliad ac eraill ynghylch y ffordd orau o'u datrys. Mae'n nodi tri maes y mae'n bwriadu canolbwyntio arnyn nhw yn ystod y flwyddyn i ddod: cyfathrebu digidol, yn enwedig mewn ardaloedd gwledig dwysedd isel; ynni adnewyddadwy a chysylltiadau â'r grid trydan; a thrafnidiaeth, lle mae'n awyddus i archwilio materion yn ymwneud â chapasiti, tagfeydd a datgarboneiddio. Rwy'n credu bod yr adroddiad blynyddol yn gychwyn cadarn i waith y comisiwn, a'r hyn y bydd yn ei wneud yw ymateb i adroddiad y pwyllgor perthnasol, gan gytuno y dylai'r adroddiad cyntaf ar gyflwr y genedl fod ym mis Tachwedd 2021, ac y bydd yn adrodd, fel yr argymhellodd y Pwyllgor, bob tair blynedd wedi hynny. Mae'r Llywodraeth wedi ymrwymo i adolygu'r comisiwn erbyn mis Mai 2021, ei gwmpas a'i gylch gwaith. A chredaf fod hynny i gyd yn dangos bod rhaglen waith weithredol y mae'r comisiwn wedi dechrau cael gafael gwirioneddol arni, a bod cynllun ar waith iddo barhau i gyflawni'r gwaith hwnnw dros y blynyddoedd i ddod.
English: I should confirm I was at the event last week. But what I will say is that, although I was there, I was very underwhelmed by what was said at that first annual report. It's taken the commission one year to find out that what they need to focus on is energy, digital connectivity, broadband and transport. Well, any of us in this Chamber could have told the commission just that. The only thing I did learn last week is that the commission, which is set up to look at the long term, isn't going to take any evidence on the long term approach at the moment. So, I have to say I am totally underwhelmed by the commission's work to date, and I don't think that the commission is currently up to meeting the challenge that it has before it. Can I ask, First Minister, do you think that the current approach lacks ambition and substance? What are you going to do in terms of changing the approach that's currently happening so far, with a lack of ambition and substance taking place? How many staff does the commission appoint at the moment? And how many staff will be appointed in the future, because I do think it needs to be properly resourced? You are appointing a long-term chair, which I do think is welcome, and what qualities would you expect to see in that long-term appointee?
Welsh: Dylwn gadarnhau fy mod i yn y digwyddiad yr wythnos diwethaf. Ond yr hyn y gwnaf i ei ddweud, er fy mod i yno, oedd bod yr hyn a ddywedwyd yn yr adroddiad blynyddol cyntaf hwnnw wedi creu argraff llai na syfrdanol arnaf. Mae wedi cymryd blwyddyn i'r comisiwn ddarganfod mai'r hyn y mae angen iddyn nhw ganolbwyntio arno yw ynni, cysylltedd digidol, band eang a thrafnidiaeth. Wel, gallai unrhyw un ohonom ni yn y Siambr hon fod wedi dweud yn union hynny wrth y comisiwn. Yr unig beth y gwnes i ei ddysgu yr wythnos diwethaf yw nad yw'r comisiwn, a sefydlwyd i edrych ar y tymor hir, yn mynd i gymryd unrhyw dystiolaeth am y dull hirdymor ar hyn o bryd. Felly, mae'n rhaid i mi ddweud bod gwaith y comisiwn hyd yn hyn wedi gwneud argraff llai na syfrdanol arnaf, ac nid wyf i'n credu bod y gallu gan y comisiwn ar hyn o bryd i ymateb i'r her sydd ganddo o'i flaen. A gaf i ofyn, Prif Weinidog, a ydych chi'n credu bod diffyg uchelgais a sylwedd yn y dull presennol? Beth ydych chi'n mynd i'w wneud o ran newid y dull sy'n cael ei ddilyn hyd yma, gyda diffyg uchelgais a sylwedd yn digwydd? Faint o staff y mae'r comisiwn yn eu penodi ar hyn o bryd? A faint o staff fydd yn cael eu penodi yn y dyfodol, oherwydd rwy'n credu bod angen darparu adnoddau priodol ar ei gyfer? Rydych chi'n penodi cadeirydd hirdymor, yr wyf i'n credu sydd i'w groesawu, a pha rinweddau fyddech chi'n disgwyl eu gweld yn y person penodedig hirdymor hwnnw?
English: Well, I thank the Member for that. I'm glad that he was able to be present at the launch of the report. I don't accept what he says. When I last answered questions on the floor of this Assembly about the work of the commission, I was asked around the Chamber if it was going to be considering issues to do with water, to do with waste, to do with flood risk management, to do with housing, and the commission has, quite rightly, had to make choices in its first year about the issues on which it should concentrate, and that was a proper exercise of selection so that its priority areas in the next 12 months could be identified. There is, indeed, an exercise that is currently ongoing for the public appointment process for a long-term chair of the infrastructure commission. I am glad, Llywydd, that in the discussions that I have had with your office that that post is on the list of significant public appointments that will be tested through a pre-appointment scrutiny process here in the Assembly, and Members who have strong views on the qualities that the person appointed to this post should have will be able to test that individual through that scrutiny process.
Welsh: Wel, diolchaf i'r Aelod am hynna. Rwy'n falch ei fod wedi gallu bod yn bresennol yn lansiad yr adroddiad. Nid wyf i'n derbyn yr hyn y mae'n ei ddweud. Y tro diwethaf i mi ateb cwestiynau ar lawr y Cynulliad hwn am waith y comisiwn, gofynnwyd i mi o bob rhan o'r Siambr a oeddwn i'n mynd i fod yn ystyried materion yn ymwneud â dŵr, yn ymwneud â gwastraff, yn ymwneud â rheoli perygl llifogydd, yn ymwneud â thai, ac mae'r comisiwn, yn gwbl briodol, wedi gorfod gwneud dewisiadau yn ei flwyddyn gyntaf ynghylch y materion y dylai ganolbwyntio arnyn nhw, ac roedd hwnnw'n ymarfer dethol priodol fel y gellid nodi ei feysydd blaenoriaeth yn ystod y 12 mis nesaf. Yn wir, ceir ymarfer sy'n mynd rhagddo ar hyn o bryd ar gyfer y broses penodi cyhoeddus ar gyfer cadeirydd hirdymor y comisiwn seilwaith. Rwy'n falch, Llywydd, yn y trafodaethau yr wyf i wedi eu cael gyda'ch swyddfa bod y swydd honno ar y rhestr o benodiadau cyhoeddus arwyddocaol a fydd yn cael eu profi trwy broses graffu cyn penodi yma yn y Cynulliad, a bydd Aelodau sydd â safbwyntiau cryf ar y rhinweddau y dylai'r sawl a benodir i'r swydd hon feddu arnynt yn gallu rhoi prawf ar yr unigolyn hwnnw drwy'r broses graffu honno.
English: Given the seriousness of what's happened at Cwm Taf, should we not have expected a Labour shadow Cabinet Minister speaking at the Senedd to have familiarised themselves with this tragic case? Or is it simply true that Wales matters as little to the Labour frontbench in Westminster as it does to the Tories?
Welsh: O ystyried difrifoldeb yr hyn sydd wedi digwydd yng Nghwm Taf, oni ddylem ni fod wedi disgwyl i Weinidog o Gabinet yr wrthblaid Lafur a oedd yn siarad yn y Senedd fod wedi ymgyfarwyddo â'r achos trasig hwn? Neu a yw'n wir mewn gwirionedd fod Cymru o gyn lleied o bwys i fainc flaen Llafur yn San Steffan ag y mae i'r Torïaid?
English: Llywydd, the events at Cwm Taf deserve a more serious response than the one we've just been offered by the leader of Plaid Cymru. Whether a frontbench spokesman was completely familiar with the details is hardly of any relevance to the mothers and families caught up in events at Cwm Taf. This Government has been focused and the Minister has been focused on making sure that those mothers' concerns are properly responded to, that there is every opportunity for them to contribute to the process of putting right what went wrong at Cwm Taf. Those are the things that matter to those families and to patients in the Cwm Taf area, and the attempt to turn it into some trivial political knockabout does them and him no credit at all.
Welsh: Llywydd, mae'r digwyddiadau yng Nghwm Taf yn haeddu ymateb mwy difrifol na'r un yr ydym ni newydd gael ei gynnig gan arweinydd Plaid Cymru. Go brin y mae pa un a oedd llefarydd ar y fainc flaen yn gwbl gyfarwydd â'r manylion yn berthnasol o gwbl i'r mamau a'r teuluoedd sy'n gysylltiedig â'r digwyddiadau yng Nghwm Taf. Mae'r Llywodraeth hon wedi canolbwyntio ac mae'r Gweinidog wedi canolbwyntio ar sicrhau bod pryderon y mamau hynny yn cael ymateb priodol, bod pob cyfle iddyn nhw gyfrannu at y broses o unioni'r hyn a aeth o'i le yng Nghwm Taf. Dyna'r pethau sydd o bwys i'r teuluoedd hynny ac i gleifion yn ardal Cwm Taf, ac nid yw'r ymgais i'w droi'n rhyw gecru gwleidyddol dibwys o ddim clod o gwbl iddyn nhw nac iddo fe.