English: Thank you for the extensive series of questions. If I can start off by saying that I think today is a really big and important day: to have an established financial institution confirming in public that it is looking to develop the proposal in partnership and will be the established institution to take matters forward is a really positive step forward. And as I said in my opening, no community bank of this scale or model has yet been established anywhere in the UK. So, this is a novel policy area where Wales is taking a lead, and I'm really pleased that we have got a mutual financial institution that is ready and prepared to partner with us, in a manner that should be not just to deliver greater community banking services, but will probably end up being transformative for the Monmouthshire Building Society itself. So, this is a really positive day, and many of the questions that Mark Isherwood has asked are questions that we have already had discussions about and I expect we will get more on as we move forward, because - . Your points about, 'Does the community bank overlap with other services?' - well, actually, we're looking to support and establish a community bank because of the flight of traditional banking services from many communities. I know this is a matter that, as I said in my opening, is supported by Members from across the political divide within the Senedd, because all of us have experience of traditional banking services disappearing from communities we represent. It's the same for Members who represent largely urban constituencies, as well as those that are largely rural. So, there is a real challenge here, rather than a problem of there being an overlap, as a broad picture. But when it comes to how those partnerships will work, including, for example, the partnerships we'd expect to see with the credit union movement, those are things we expect to see more detail on in both an investment proposal, but also there is work that has already been undertaken by Banc Cambria because, of course, they are part of the co-op and mutuals movement, so they have established relationships with a range of credit unions. But it is entirely reasonable for some credit unions to question how it will affect them and their business and not end up being something that squeezes out competition where services are already provided, rather than providing services into communities that we recognise are under-served at present. On your question about Welsh Government due diligence, we and any other investor will certainly undertake due diligence following an investment proposal. And we're at the point now where Monmouthshire have confirmed that they're going to move to do that, so I will expect from them a proper investment proposal for us to look at, to scrutinise, and they will also, of course, need to assure their own regulator about the proposals that they are looking to make and what it means for their current members, as well as for future ones too. And again, this goes back to one of the points you made in your list of examples, where you've raised similar issues, on the fact that having an established institution should actually mean that we're able to launch a community bank at a greater pace than if we had otherwise tried to start afresh. I note your points about the Post Office, and, of course, at one point, there was the possibility of a properly established postal bank - those are matters that are in the hands of the UK Government, and, of course, the Post Office has had for some years an established tie-in with the Bank of Ireland. So, again, we're looking at the landscape of where services exist and looking at how we can add to what exists rather than compete with established services that are already providing a decent service to communities across the country. On, I think, your broader points, I just want to register this about credit unions: we do expect there to be agency or partnership agreements in place. You wouldn't expect those all to be established with today's announcement, but our expectation is that this will genuinely add to the banking and financial services that are available in many of our communities, and I do believe that this is a really positive step forward. I think the significant detail that you're looking for in many of your questions can only be answered when we get into greater detail in the proposals to be brought forward, including, of course, how the new Banc Cambria establishment expects to deliver branches and the criteria that it will use for where it would wish to establish those in the future. But I look forward to updating Mr Isherwood and other Members over the coming months.
Welsh: Diolch am y gyfres helaeth o gwestiynau. Os caf i ddechrau drwy ddweud fy mod i'n credu bod heddiw'n ddiwrnod mawr a phwysig iawn: mae cael sefydliad ariannol sefydledig yn cadarnhau'n gyhoeddus ei fod yn bwriadu datblygu'r cynnig mewn partneriaeth ac mai ef fydd y sefydliad sefydledig i fwrw ymlaen â materion yn gam cadarnhaol iawn ymlaen. Ac fel y dywedais i yn fy agoriad, nid oes unrhyw fanc cymunedol o'r raddfa hon neu sy'n dilyn y model hwn wedi'i sefydlu eto yn unman yn y DU. Felly, mae hwn yn faes polisi newydd lle mae Cymru'n arwain, ac rwy'n falch iawn bod gennym ni sefydliad ariannol cydfuddiannol sy'n barod ac yn fodlon cydweithio gyda ni, mewn modd a ddylai fod nid yn unig i ddarparu mwy o wasanaethau bancio cymunedol, ond mae'n debyg y bydd yn drawsnewidiol i Gymdeithas Adeiladu Sir Fynwy ei hun. Felly, mae hwn yn ddiwrnod cadarnhaol iawn, ac mae llawer o'r cwestiynau y mae Mark Isherwood wedi'u gofyn yn gwestiynau yr ydym ni eisoes wedi cael trafodaethau yn eu cylch ac y disgwyliaf y clywn ni fwy amdanyn nhw wrth inni symud ymlaen, oherwydd - . Eich pwyntiau ynghylch, 'A yw'r banc cymunedol yn gorgyffwrdd â gwasanaethau eraill?' - wel, mewn gwirionedd, mae arnom ni eisiau cefnogi a sefydlu banc cymunedol oherwydd encilio gwasanaethau bancio traddodiadol o lawer o gymunedau. Rwy'n gwybod fod hwn yn fater sydd, fel y dywedais i yn fy agoriad, yn cael ei gefnogi gan Aelodau o bob rhan o'r sbectrwm gwleidyddol yn y Senedd, oherwydd mae gan bob un ohonom ni brofiad o wasanaethau bancio traddodiadol yn diflannu o gymunedau yr ydym ni'n eu cynrychioli. Mae'r un peth yn wir i Aelodau sy'n cynrychioli etholaethau trefol i raddau helaeth, yn ogystal â'r rhai sy'n wledig i raddau helaeth. Felly, mae her wirioneddol yma, yn hytrach na phroblem bod gorgyffwrdd, fel darlun eang. Ond o ran sut y bydd y partneriaethau hynny'n gweithio, gan gynnwys, er enghraifft, y partneriaethau y byddem yn disgwyl eu gweld gyda'r mudiad undebau credyd, mae'r rheini'n bethau yr ydym ni'n disgwyl gweld mwy o fanylion amdanyn nhw mewn cynnig buddsoddi, ond hefyd mae gwaith sydd eisoes wedi'i wneud gan Fanc Cambria oherwydd, wrth gwrs, maen nhw'n rhan o'r mudiad cydweithredol a chydfuddiannol, felly maen nhw wedi sefydlu perthynas ag amrywiaeth o undebau credyd. Ond mae'n gwbl resymol i rai undebau credyd gwestiynu sut y bydd hyn yn effeithio arnyn nhw a'u busnes ac na fydd hyn yn y pen draw yn rhywbeth sy'n gwasgu cystadleuaeth lle mae gwasanaethau eisoes yn cael eu darparu, yn hytrach na darparu gwasanaethau i gymunedau yr ydym ni'n cydnabod nad ydyn nhw'n cael eu gwasanaethu'n dda ar hyn o bryd. O ran eich cwestiwn am waith diwydrwydd dyladwy gan Lywodraeth Cymru, byddwn ni ac unrhyw fuddsoddwr arall yn sicr yn gwneud gwaith diwydrwydd dyladwy yn dilyn cynnig buddsoddi. Ac rydym ni wedi cyrraedd sefyllfa nawr lle mae sir Fynwy wedi cadarnhau y byddant yn gwneud hynny, felly byddaf yn disgwyl cael cynnig buddsoddi priodol ganddyn nhw i ni edrych arno, i graffu arno, a bydd angen iddyn nhw hefyd, wrth gwrs, sicrhau eu rheoleiddiwr eu hunain am y cynigion y maen nhw'n bwriadu eu gwneud a'r hyn y mae'n ei olygu i'w haelodau presennol, yn ogystal ag ar gyfer rhai yn y dyfodol hefyd. Ac eto, mae hyn yn mynd yn ôl at un o'r pwyntiau a wnaethoch chi yn eich rhestr o enghreifftiau, lle rydych chi wedi codi materion tebyg, ynghylch y ffaith y dylai bod â sefydliad sefydledig olygu ein bod yn gallu lansio banc cymunedol yn gyflymach na phe baem ni fel arall wedi ceisio dechrau o'r newydd. Rwy'n cydnabod eich pwyntiau am Swyddfa'r Post, ac, wrth gwrs, ar un adeg, roedd posibilrwydd o fanc post wedi'i sefydlu'n briodol - mae'r rheini'n faterion sydd yn nwylo Llywodraeth y DU, ac, wrth gwrs, bu cysylltiad sefydledig rhwng Swyddfa'r Post a Banc Iwerddon ers rhai blynyddoedd. Felly, unwaith eto, rydym ni'n edrych ar dirwedd lle mae gwasanaethau'n bodoli ac yn edrych ar sut y gallwn ni ychwanegu at yr hyn sy'n bodoli yn hytrach na chystadlu â gwasanaethau sefydledig sydd eisoes yn darparu gwasanaeth gweddus i gymunedau ledled y wlad. O ran, rwy'n credu, eich sylwadau ehangach, fe hoffwn i ddweud hyn am undebau credyd: rydym ni'n disgwyl y bydd cytundebau asiantaeth neu bartneriaeth ar waith. Fyddech chi ddim yn disgwyl i'r rheini i gyd gael eu sefydlu gyda chyhoeddiad heddiw, ond ein disgwyliad yw y bydd hyn yn ychwanegiad gwirioneddol at y gwasanaethau bancio ac ariannol sydd ar gael mewn llawer o'n cymunedau, ac rwy'n credu bod hwn yn gam cadarnhaol iawn ymlaen. Rwy'n credu mai dim ond pan fyddwn ni'n manylu ar y cynigion sydd i'w cyflwyno y gellir ateb y manylion sylweddol yr ydych chi'n chwilio amdanyn nhw yn llawer o'ch cwestiynau, gan gynnwys, wrth gwrs, sut mae sefydliad newydd Banc Cambria yn disgwyl sefydlu canghennau a'r meini prawf y bydd yn eu defnyddio o ran ble yr hoffai sefydlu'r rheini yn y dyfodol. Ond edrychaf ymlaen at ddiweddaru Mr Isherwood ac Aelodau eraill dros y misoedd nesaf.