English: There has been some progress, yes. But, to be honest, there is a question arising - . Clearly, it's a matter of bringing influence to bear and persuading. It's very different to a situation where a body is captured under standards, where the requirements and expectations are quite clear. But, we do have a banking network now, and the thinking behind that was that we would seek to share good practice and to demonstrate exactly how important offering services through the medium of Welsh was to customers. Clearly, part of the problem in this area is the changes that have taken place in banking over the past decade. Because the truth of the matter is that the banking sector was in the vanguard in terms of offering services through the medium of Welsh at one time, but because the branch network has largely disappeared over the past decade, then there's been far more emphasis on online and digital services. And that has been a tough nut to crack, because the number of meetings held to try and persuade the banks to provide apps through the medium of Welsh - . Well, they are numerous to say the least. So, we continue to persuade the banks and to share good practice with them. We have succeeded in certain areas. We have a good relationship with some; a relationship that isn't perhaps as positive with others. But the Principality and Barclays and Natwest, for example, are working with us and they're very eager to see whether they can adopt the Cynnig Cymraeg, where they can explain exactly what services are available to their customers through the medium of Welsh. And also there are the services for children and young people provided by the Principality, Dylan the dragon - that is also available bilingually. Natwest have created bilingual resources for schools and so on. So, there is some change and the hope is that once one believes that the other is making some sort of progress, then they see it as a competition and they want to respond. But I had thought that, over these past 12 months, we could have come to some sort of decision as to how much longer we're going to provide all of these resources for the banks where the response isn't perhaps as positive. But I do think that the response in terms of the Cynnig Cymraeg and the resources for children and young people over the past 12 months has created a situation where perhaps influence is starting to bear fruit, but we'll have to wait and see. We have been pushing apps and online services and I'm still eager to see that succeeding. Because once we get one creating a Welsh language app and that is used by Welsh speakers, then perhaps there will be a better response among the other banks, but I think the truth of the matter is that we have a long way to go.
Welsh: Oes, mae yna gynnydd. Ond, i ddweud y gwir, mae yna gwestiwn yn codi ynglyn â - . Yn amlwg, mater o geisio dylanwadu a pherswadio ydy hyn, yn wahanol iawn i'r sefyllfa lle mae yna gorff o dan safonau, lle mae'r gofynion a'r disgwyliadau yn eithaf clir, i ddweud y gwir. Ond, rydyn ni yn cynnal, erbyn hyn, rhwydwaith bancio, a'r meddwl tu ôl, neu'r syniad y tu ôl i hynny, oedd ein bod ni'n ceisio rhannu arfer da a dangos yn union pa mor bwysig oedd cynnig gwasanaethau yn y Gymraeg i gwsmeriaid. Yn amlwg, rhan o'r broblem yma ydy'r newid sydd wedi bod ym myd bancio yn ystod y degawd olaf yma. Achos y gwir amdani ydy, mi oedd y sector bancio ar flaen y gad o ran cynnig gwasanaethau yn y Gymraeg ar un adeg, ond o achos bod y rhwydwaith canghennau wedi diflannu yn ystod y degawd olaf yma i bob pwrpas, mae yna lawer iawn mwy o bwysau erbyn hyn ar wasanaethau dros y we. Ac mae hynny wedi bod yn dalcen caled i ddweud y gwir, achos mae nifer y cyfarfodydd sydd wedi'u cynnal i geisio perswadio banciau i gynnig apiau, er enghraifft, yn y Gymraeg wedi - . Wel, maen nhw'n niferus iawn. Felly, rydym ni'n parhau i geisio perswadio a rhannu arfer da. Rydym ni wedi llwyddo efo rhai pethau. Mae gennym ni berthynas dda efo rhai; perthynas sydd ddim cystal efo rhai eraill. Ond mae yna rai - mae'r Principality a Barclays a Natwest, er enghraifft, ar hyn o bryd yn gweithio efo ni. Maen nhw'n awyddus iawn i weld os medran nhw dderbyn y Cynnig Cymraeg. Bydd hynny'n gam pwysig ymlaen, lle byddan nhw'n dweud yn union pa wasanaethau sydd ar gael i'w cwsmeriaid yn y Gymraeg. A hefyd mae gwasanaethau ar gyfer plant a phobl ifanc y Principality, Dylan y ddraig - mae hwnna'n gwbl ddwyieithog. Mae Natwest hefyd, ar hyn o bryd, wedi creu adnoddau cwbl ddwyieithog ar gyfer ysgolion a phethau felly. Felly, mae yna newid, a'r gobaith ydy, unwaith y mae un yn meddwl bod y llall yn cael rhyw fath o, dwi ddim yn gwybod, symud ymlaen, maen nhw'n ei weld o fel rhyw fath o gystadleuaeth. Ond roeddwn i wedi meddwl, a dweud y gwir, yn ystod y flwyddyn yma, dod i ryw fath o benderfyniad ynglŷn ag am faint chwaneg rydym ni'n mynd i roi'r holl adnoddau yma i mewn i'r banciau ble dyw'r ymateb ddim cystal. Ond dwi'n meddwl bod yr ymateb o ran y Cynnig Cymraeg ac adnoddau ar gyfer plant a phobl ifanc yn ystod y flwyddyn olaf yma wedi creu sefyllfa lle, hwyrach, mae dylanwadu'n dechrau gweithio, ond cawn ni weld. Rydym ni wedi bod yn gwthio apiau a gwasanaethau ar y we a dwi'n dal i fod yn awyddus i weld hynny'n llwyddo, a dweud y gwir. Dwi'n meddwl unwaith rydym ni'n cael un yn creu ap yn y Gymraeg sy'n cael ei wthio gan siaradwyr Cymraeg, hwyrach bydd yna ymateb gwell, ond dwi'n meddwl mai'r gwir amdani ydy bod yna ffordd bell i fynd.