English: Well, I think 'frustration' would be the most appropriate word. It is difficult. What we do see, of course, as services move online, the situation, is that the situation in terms of the Welsh language is weakened and that where Welsh language services were available in local branches, but because of the nature of the workforce, that isn't the case for online services. So, much of our attention over the past 18 months has been focused on online services. We have created a banking network, because we saw that arranging meetings with individual banks didn't lead to much progress from one month to the next or from one year to the next. What we're trying to do within the network is to create some competition where if one bank is eager to move forward quicker than others, that creates some sort of impetus, hopefully, among the others. There has been progress. We have seen some banks - I want Dyfan to discuss the Welsh language offer that we've developed over the past 12 months. There are some banks such as Principality, Barclays and Metro Bank who are now very willing to commit to the Welsh language offer. The intention there is to ensure that the banks themselves identify the nature of the Welsh language offer that they make to their customers. Because one of the things I have found during this period is that, even in those banks where services are available, they're not particularly keen to publicise those services. So, I've been banking with the same bank for over 40 years, for example. Now, if I'm looking for the Welsh helpline for the bank, I won't find it on their website at all. So, they can tell us, 'Yes, we do offer Welsh language services', but the problem is that they don't want to inform anyone of those services, because having some sort of centre in the south-west isn't as profitable for them as outsourcing services. So, they're not eager for people to know that the Welsh language service is available, although when you use those services, I have to say that they are excellent and, if anything, much better than the service that you would receive in English. So, we're going to move towards the Welsh language offer, and I'd be eager for Dyfan to explain that, but I am going to make one further point. I've made it entirely clear to the banks that I am very eager to provide resources in order to seek to persuade them and to promote Welsh services. But I do think that we are reaching a point now where a political decision needs to be made, and where I have to say, as commissioner, that if I provide 10 full-time members of staff just to deal with the banking sector in order to seek to persuade them, the truth is that I won't succeed. So, we're reaching a point where politicians have to make a decision as to whether they are going to impose standards on the banks, because that is the only way in which they will provide Welsh language services. So, I'm more than willing to take up the challenge from Government in terms of promotion and seeking to do our best, but we have to be realistic. The carrot can only take you so far, but you do have to have both sides willing to take action rather than just one side trying to do everything and not being given a proper hearing by a huge commercial entity in London or Hong Kong. But, Dyfan -
Welsh: 'Rhwystredigaeth', dwi'n meddwl, ydy'r gair. Mae o'n dalcen caled. Beth rydyn ni'n gweld, wrth gwrs, wrth i wasanaethau symud ar-lein, ydy fod y sefyllfa o ran y Gymraeg yn mynd yn wannach a bod sefyllfa lle'r oedd gwasanaeth Cymraeg ar gael o fewn canghennau lleol, ond o achos natur y gweithlu, dydy hynny ddim yn wir am wasanaethau ar-lein. Felly, mae llawer iawn o'n sylw ni yn ystod y 18 mis olaf yma wedi bod ar wasanaethau ar-lein, i fod yn onest. Rydyn ni wedi creu rhwydwaith bancio, o achos roedden ni'n gweld bod trefnu cyfarfodydd efo banciau unigol ddim yn - nid oedden ni'n gweld llawer o gynnydd o fis i fis neu o flwyddyn i flwyddyn. Beth rydyn ni'n trio gwneud o fewn y rhwydwaith ydy creu rhywfaint o gystadleuaeth lle os oes yna un banc sy'n awyddus i symud ymlaen yn fwy na'r lleill, mae hynny'n creu rhyw fath o symudiad, gobeithio, ymysg y lleill. Mae yna gynnydd wedi bod. Rydyn ni wedi gweld rhai banciau yn ymwneud - rydw i ishio i Dyfan sôn am y cynnig Cymraeg rydyn ni wedi - [ Anghlywadwy. ] - yn ystod y flwyddyn olaf yma. Mae yna rai banciau erbyn hyn, megis Principality, Barclays a Metro Bank, sydd yn barod iawn i ymrwymo i'r cynnig Cymraeg. A bwriad y cynnig yna ydy bod y banciau eu hunain yn dweud beth yn union ydy natur y cynnig Cymraeg maen nhw'n rhoi i'w cwsmeriaid. Achos un peth arall dwi wedi dod ar ei draws yn ystod y cyfnod yma ydy, hyd yn oed yn y banciau yna lle mae yna wasanaethau ar gael, dydyn nhw ddim yn awyddus iawn i roi cyhoeddusrwydd i hynny. Dwi wedi bod yn bancio efo'r un banc ers dros 40 mlynedd, er enghraifft. Os ydw i'n chwilio am y llinell ffôn Cymraeg ar gyfer y banc yna, fyddaf i ddim yn ei ddarganfod ar ei wefan yn unman. Felly, maen nhw'n medru dweud wrthyn ni, 'Ydyn, rydyn ni'n cynnig gwasanaeth Cymraeg', ond y broblem ydy dydyn nhw ddim eisiau dweud wrth neb achos mae cynnal rhyw fath o ganolfan yn y de-orllewin ddim mor broffidiol iddyn nhw ag allanoli gwasanaethau. Felly, dydyn nhw ddim yn awyddus i bobl wybod bod y gwasanaeth Cymraeg ar gael, er pan ydych chi'n defnyddio'r gwasanaethau yna, mae'n rhaid imi ddweud, mae'r gwasanaethau yn arbennig o dda, ac os rhywbeth yn llawer iawn gwell na'r gwasanaeth rydych chi'n ei dderbyn yn Saesneg. Felly, rydyn ni'n mynd i symud i'r cynnig Cymraeg, a dwi'n awyddus bod Dyfan yn esbonio hynny, ond dwi'n mynd i ddweud rhywbeth. Dwi wedi ei wneud o'n hollol glir efo'r banciau fy mod i'n awyddus iawn i roi adnodd i mewn i geisio eu perswadio nhw ac i hyrwyddo gwasanaethau yn y Gymraeg. Ond dwi'n meddwl ein bod ni'n dod i fan lle mae yna benderfyniad gwleidyddol i'w wneud a lle mae'n rhaid imi ddweud, fel comisiynydd, os ydw i'n rhoi 10 aelod o staff yn llawn amser jest i ddelio â'r berthynas efo banciau er mwyn trio eu perswadio nhw, y gwir amdani ydy dydw i ddim yn mynd i lwyddo. Felly, mae'n dod i fan lle mae'n rhaid i'r gwleidyddion benderfynu os ydyn nhw yn mynd i osod safonau ar y banciau, achos dyna'r unig ffordd y byddan nhw'n cynnig gwasanaethau yn y Gymraeg. Felly, dwi'n barod iawn i dderbyn yr her oddi wrth y Llywodraeth o ran hybu a hyrwyddo a cheisio gwneud ein gorau, ond mae'n rhaid inni fod yn realistig. Fe fedr y moron weithio am gyfnod ond mae'n rhaid ichi gael y ddwy ochr yn barod i weithredu, ac nid jest un yn ceisio gwneud pob peth ac yn cael dim gwrandawiad gan endid masnachol enfawr yn Llundain neu Hong Kong. Ond, Dyfan -