English: Thank you for the questions and comments. I agree with your points about the challenge of it's not just about branch services, but about access to cash services as well - not just ATMs but, in particular, free-to-use ATMS as well. Part of the drive behind this is a recognition that the flight of traditional branches and cash services does mean that there is an increasing divide between those with digital skills, in particular mobile banking, but also those who require cash to go about their normal day-to-day business. So, there's a challenge here, in terms of not acting and what we would otherwise be left with. I'm proud of the work that we have done successfully over a period of time, with support from a number of parties, on trying to provide financial services through credit unions in particular as well. But I do think that Banc Cambria will fill a particular gap that still exists, and I'm pleased to have the broad support of Plaid Cymru in doing so. I'd expect more detailed plans for branches to come with that investment proposal, but Banc Cambria indicate that they expect to get up to about 30 branches over their first decade in operation. Now, it is not a fair test to say that Banc Cambria should expect to make up all of the branches that have closed by traditional and long-established branches, and to be able to do so within a short period of time. We're still looking at something that, as I say, is a novel policy intervention, to be able to create a new community bank. And you're right to point out that other parts of the world have a very different network, and that we have, as I said in my opening, not a very diverse banking sector at all. The newer challenger banks that have come along tend to be online banks. So, there's still a gap that we believe Banc Cambria can help to fill. That detailed investment proposal, when it comes, it won't just be due diligence. We want to look at how they're looking and to set out a plan for how they'll go through where they'd want to establish branches and services. So, I do appreciate that, many of the questions that will come today, I won't be able to give you definitive answers, but to be able to indicate that they do expect to establish new branches over the first decade. They expect to be able to set out more about the products and services that they'll provide. The investment proposal will help to detail and set that out. The fact that Monmouthshire are doing this already means that we have an institution that is headquartered in Wales. It's headquartered in Newport, and, without looking at the two constituency Members for the city of Newport, I'd have thought that they would want to see Banc Cambria remain established and headquartered within that city. I'm not looking to try to have regions arguing with one another, but the point is that we have an established financial institution that is headquartered and rooted in Wales and has been for a century and a half. That's a good thing, in terms of the sort of fit that we're looking for for someone that is committed to community banking services. That doesn't mean, of course, that they won't be involved in supporting businesses. I think that they will - in particular, smaller businesses. The challenge will be, if we're looking at larger economic units, about where the capital for that will come. So, it's not that I would say that they're not allowed and won't be permitted to do that; it's really about the need to establish the community banking model first as a proper service that is successful, and it's then about the ambition of the institution and what it can actually achieve. But, again, I'm not sure that it would be a fair test to say that it must be involved in the sort of scale of finance that you might otherwise see in industries like the steel sector. But it's a matter for the institution to set out a proper investment proposal that the Welsh Government can get behind. And I can say that it's my expectation that Welsh language services won't just be online; there'll be in-branch Welsh language services as well. It's part of the attraction of having a proper partnership with a local institution that understands the need to do that. So, I think it would be a good thing for the language and community banking services, as well as the breadth of what we're going to be able to do over time. The first step, though, is today's public announcement about the financial institution. The next step will be a proper investment proposal and the due diligence, and then we hope we'll get on to actually establishing Banc Cambria branches within this Senedd term.
Welsh: Diolch am y cwestiynau a'r sylwadau. Rwy'n cytuno â'ch sylwadau am yr her o ran nad yw hyn yn ymwneud â gwasanaethau cangen yn unig, ond am fynediad at wasanaethau arian parod hefyd - nid peiriannau twll yn y wal yn unig ond, yn arbennig, peiriannau twll yn y wal di-dâl hefyd. Mae rhan o'r ymgyrch y tu ôl i hyn yn gydnabyddiaeth bod ymadawiad canghennau traddodiadol a gwasanaethau arian parod yn golygu bod rhaniad cynyddol rhwng y rhai sydd â sgiliau digidol, yn enwedig bancio ar ddyfeisiau symudol, ond hefyd y rhai y mae angen arian parod arnyn nhw i redeg eu busnes arferol o ddydd i ddydd. Felly, mae her yma, o ran peidio â gweithredu a'r hyn a fyddai gennym ni fel arall. Rwy'n falch o'r gwaith yr ydym ni wedi'i wneud yn llwyddiannus dros gyfnod o amser, gyda chymorth nifer o bleidiau, o ran ceisio darparu gwasanaethau ariannol drwy undebau credyd yn arbennig hefyd. Ond rwy'n credu y bydd Banc Cambria yn llenwi bwlch penodol sy'n dal i fodoli, ac rwy'n falch o gael cefnogaeth eang Plaid Cymru wrth wneud hynny. Byddwn yn disgwyl i gynlluniau manylach ynghylch canghennau gael eu cyflwyno gyda'r cynnig buddsoddi hwnnw, ond mae Banc Cambria yn dweud eu bod yn disgwyl agor hyd at tua 30 o ganghennau yn ystod eu degawd cyntaf. Nawr, nid yw'n brawf teg dweud bod disgwyl i Fanc Cambria agor nifer cyfatebol o ganghennau i'r hyn y mae canghennau traddodiadol a hirsefydlog wedi eu cau, ac i allu gwneud hynny o fewn cyfnod byr. Rydym ni'n dal i edrych ar rywbeth sydd, fel y dywedais i, yn ymyriad polisi newydd, i allu creu banc cymunedol newydd. Ac rydych chi'n gywir i dynnu sylw at y ffaith bod gan rannau eraill o'r byd rwydwaith gwahanol iawn, ac nad oes gennym ni, fel y dywedais i yn fy agoriad, sector bancio amrywiol iawn o gwbl. Mae'r banciau mwy newydd sydd wedi dechrau cystadlu yn tueddu i fod yn fanciau ar-lein. Felly, mae bwlch o hyd y credwn ni y gall Banc Cambria helpu i'w lenwi. Pan ddaw'r cynnig buddsoddi manwl hwnnw, nid diwydrwydd dyladwy fydd yr unig elfen o hynny. Mae arnom ni eisiau gweld beth yw eu bwriad ac i osod cynllun ar gyfer sut y byddan nhw'n egluro ble yr hoffen nhw sefydlu canghennau a gwasanaethau. Felly, rwyf yn sylweddoli, gyda llawer o'r cwestiynau a ofynnir heddiw, na fyddaf yn gallu rhoi atebion pendant ichi, ond i allu dweud eu bod yn disgwyl sefydlu canghennau newydd dros y degawd cyntaf. Maen nhw'n disgwyl gallu dweud mwy am y cynhyrchion a'r gwasanaethau y byddan nhw yn eu darparu. Bydd y cynnig buddsoddi yn helpu i fanylu ar hynny ac i egluro hynny. Mae'r ffaith bod Cymdeithas Adeiladu Sir Fynwy yn gwneud hyn eisoes yn golygu bod gennym ni sefydliad sydd â'i bencadlys yng Nghymru. Mae pencadlys y Gymdeithas yng Nghasnewydd, a heb edrych ar y ddau Aelod etholaeth ar gyfer dinas Casnewydd, byddwn wedi meddwl yr hoffen nhw weld Banc Cambria yn parhau i gael ei sefydlu ac â'i bencadlys yn y ddinas honno. Nid wyf yn ceisio codi cynnen rhwng rhanbarthau, ond y pwynt ydy bod gennym ni sefydliad ariannol sefydledig sydd â'i bencadlys a'i wreiddiau yng Nghymru ac sydd wedi bod yma ers canrif a hanner. Mae hynny'n beth da, o ran yr addasrwydd yr ydym ni'n chwilio amdano ar gyfer rhywun sydd wedi ymrwymo i wasanaethau bancio cymunedol. Nid yw hynny'n golygu, wrth gwrs, na fyddant yn ymwneud â chefnogi busnesau. Rwy'n credu y byddan nhw - yn enwedig busnesau llai. Yr her fydd, os ydym ni'n edrych ar unedau economaidd mwy, ynghylch o ble y daw'r cyfalaf ar gyfer hynny. Felly, nid fy mod yn dweud na chân nhw ac na chaniateir iddyn nhw wneud hynny; mae'n ymwneud mewn gwirionedd â'r angen i sefydlu'r model bancio cymunedol yn gyntaf fel gwasanaeth priodol sy'n llwyddiannus, ac yna mae'n ymwneud ag uchelgais y sefydliad a'r hyn y gall ei gyflawni mewn gwirionedd. Ond, unwaith eto, nid wyf yn siŵr y byddai'n brawf teg dweud bod yn rhaid iddo ymwneud â'r un raddfa o gyllid y gallech ei weld fel arall mewn diwydiannau fel y sector dur. Ond mater i'r sefydliad yw nodi cynnig buddsoddi priodol y gall Llywodraeth Cymru ei gefnogi. A gallaf ddweud mai fy nisgwyliad i yw na fydd gwasanaethau Cymraeg ar-lein yn unig; bydd gwasanaethau Cymraeg mewn canghennau hefyd. Mae'n rhan o'r atyniad o gael partneriaeth briodol gyda sefydliad lleol sy'n deall yr angen i wneud hynny. Felly, rwy'n credu y byddai'n beth da i'r gwasanaethau iaith a bancio cymunedol, yn ogystal ag i ehangder yr hyn y byddwn yn gallu ei wneud dros amser. Y cam cyntaf, serch hynny, yw cyhoeddiad cyhoeddus heddiw am y sefydliad ariannol. Y cam nesaf fydd cynnig buddsoddi priodol a'r gwaith diwydrwydd dyladwy, ac yna gobeithiwn y byddwn yn bwrw ymlaen i sefydlu canghennau Banc Cambria yn ystod tymor y Senedd hon.