English: I won't go over some of the recommendations that people have talked about already, but I would say that this was a really important inquiry that we did on banking here in Wales. I echo some of the comments made about why we all have an interest, because branches are closing the length and breadth of Wales, which is not only stopping vulnerable people from accessing services, but stopping people in general getting access face to face. I think that it's somewhat ironic for the banks to say that they want to move to online services when, when you want a mortgage or if you want something pretty serious to be transactioned, they always, if they need to discuss things further with you, call you into a branch. If that means travelling, it can mean some distance for many people, and so I wish they would try and communicate their strategy better. Is it online or is it going to branches? If they are intent on doing more online, can they not move more of their services to make it easier for those people who want to use them online? I also wanted to say that, in some of the scrutiny sessions, I raised with the actual banking sector the fact that they make huge profits and then they tell us that they can't afford to keep branches open. So, HSBC have made a profit, and this is from June 2019, of £11.8 billion; Lloyds - £4.3 billion; Barclays - £2.4 billion. A combined profit of £22 billion, and they're telling us that they can't afford to keep branches in Llanystumdwy, Bethesda, Rhondda or Neath open. I do not believe it. They say it's a different part of the company, but it comes down to the bottom line, it comes down to the profits for their shareholders, and that's where they've got it all wrong, so I have little, if any, sympathy for them in that regard. Recommendation 10 is one I'm passionate about, talking about digital inclusion, talking about financial inclusion, for not only young people in schools, but for people across the board. I know, for example, if we all had the power to understand our finances much, much better, we might not need to go and enter that bank, or we might not need to go into such extreme debt, because we'd already have the power to understand the resources in front of us. So, I am grateful that there are going to be changes to the education process, but I don't understand how that's going to be of no resource whatsoever. It's surely going to take a bit more resource to put new measures in place for financial education under Donaldson, so I'm a bit confused by that. We also know that financial inclusion plans have been happening since 2016, but I would like to see scrutiny of those financial inclusion plans, because some local authorities are doing amazing work, but some local authorities are doing nigh on nothing to make sure that their people are accessing financial inclusion courses or programmes that will benefit them. The other recommendation I just wanted to focus on, as has been mentioned quite a bit today, is the Banc Cambria concept, the community banking. I've worked quite strongly with Celtic Credit Union in Neath Port Talbot. They are pretty concerned about some of the duplication that may happen if Banc Cambria comes about. Now, I support the concept of a community bank, we do as a party, but all I will say is that we need to ensure that any new community bank works in tandem, works in harmony with the credit union sector. They are giving out loans, they are helping people in their communities. We really don't want to see that network threatened by any new community bank. The other issue I think I wanted to reflect on, emanating from what Russell George said, was the finances of any new community bank. We know that the Welsh Government has given £600,000 to support the start-up or the seed funding for Banc Cambria, but they tell us that it would cost £20 million to get Banc Cambria up and running with all the regulations and such. The Welsh Government's response refers in detail to the seed funding, and says, 'total investment is likely to be no more than £600,000'. However, the committee's report recommended that the Welsh Government should clarify the level of future support it anticipates offering the community bank. But I'd suggest the response could have been clearer from the Welsh Government. For instance, and I quote from the Welsh Government's response, 'The initial investment being offered to Banc Cambria is to test the feasibility and proof of the concept at the first stage enabling the bank to engage with the Prudential Regulatory Authority (PRA) and Financial Conduct Authority (FCA) with a view to obtaining authorisation to establish a bank; it is not at this stage to provide the more significant investment that will be required to capitalise the bank should it be successful in obtaining a banking licence.' Now, the wording in that last sentence is a bit unclear, and I would like some clarity from the Welsh Government. Are you opening the door to more investment in the future? Six hundred thousand pounds is a flash in the pan to the £20 million that's needed, and I would think that the Welsh Government - [ Interruption.] I don't know if I've got time.
Welsh: Nid wyf am ailadrodd rhai o'r argymhellion y mae pobl wedi sôn amdanynt eisoes, ond hoffwn ddweud bod hwn yn ymchwiliad gwirioneddol bwysig a wnaethom ar fancio yma yng Nghymru. Adleisiaf rai o'r sylwadau a wnaethpwyd ynglŷn â pham fod gan bob un ohonom ddiddordeb yn y mater hwn, oherwydd mae canghennau'n cau ar hyd a lled Cymru, sy'n atal pobl sy'n agored i niwed rhag cael mynediad at wasanaethau yn ogystal ag atal pobl, yn gyffredinol, rhag cael mynediad wyneb yn wyneb. Credaf ei bod braidd yn eironig fod y banciau'n dweud eu bod am symud i wasanaethau ar-lein, oherwydd pan fyddwch eisiau cael morgais, neu os ydych eisiau am i drafodion go bwysig gael ei wneud, os oes angen iddynt drafod pethau ymhellach gyda chi, maent bob amser yn gofyn i chi alw i mewn i gangen. Os yw hynny'n golygu teithio, gall olygu cryn bellter i lawer o bobl, ac felly byddai'n dda gennyf pe baent yn ceisio cyfleu eu strategaeth yn well. A yw'r gwasanaeth ar-lein neu a yw mewn canghennau? Os ydynt yn benderfynol o wneud mwy ar-lein, oni allant symud mwy o'u gwasanaethau i'w gwneud yn haws i'r bobl sydd eisiau eu defnyddio ar-lein? Roeddwn eisiau dweud hefyd fy mod wedi nodi wrth y sector bancio mewn rhai o'r sesiynau craffu eu bod yn gwneud elw enfawr ac yna'n dweud wrthym na allant fforddio cadw canghennau ar agor. Felly, mae HSBC wedi gwneud elw, a ffigurau mis Mehefin 2019 yw'r rhain, o £11.8 biliwn; Lloyds - £4.3 biliwn; Barclays - £2.4 biliwn. Elw cyfunol o £22 biliwn, ac maent yn dweud wrthym na allant fforddio cadw canghennau yn Llanystumdwy, Bethesda, Rhondda neu Gastell-nedd ar agor. Nid wyf yn credu hynny. Maent yn dweud ei fod yn rhan wahanol o'r cwmni, ond diwedd y gân yw ei fod yn ymwneud â'r elw i'w cyfranddalwyr, a dyna lle maent yn cyfeiliorni'n llwyr, felly nid oes gennyf lawer o gydymdeimlad â hwy, os o gwbl, yn hynny o beth. Mae argymhelliad 10 yn un rwy'n angerddol yn ei gylch, ac mae'n sôn am gynhwysiant digidol, cynhwysiant ariannol, nid yn unig i bobl ifanc mewn ysgolion, ond i bobl yn gyffredinol. Gwn, er enghraifft, pe bai gan bob un ohonom allu i ddeall ein harian yn llawer iawn gwell, efallai na fyddai angen inni fynd i'r banc, neu efallai na fyddai angen inni fynd i ddyled mor eithafol, oherwydd byddai'r gallu gennym eisoes i ddeall yr adnoddau a fyddai gennym. Felly, rwy'n ddiolchgar fod newidiadau'n mynd i gael eu gwneud i'r broses addysg, ond nid wyf yn deall sut y bydd hynny'n digwydd heb unrhyw adnoddau o gwbl. Mae'n sicr y bydd angen ychydig bach mwy o adnoddau i roi mesurau newydd ar waith ar gyfer addysg ariannol o dan Donaldson, felly mae hynny'n peri ychydig o ddryswch i mi. Gwyddom hefyd fod cynlluniau cynhwysiant ariannol wedi bod ar y gweill er 2016, ond hoffwn weld gwaith craffu'n digwydd ar y cynlluniau cynhwysiant ariannol hynny, oherwydd mae rhai awdurdodau lleol yn gwneud gwaith rhyfeddol, ond nid yw rhai awdurdodau lleol yn gwneud dim i sicrhau bod eu pobl yn manteisio ar gyrsiau neu raglenni cynhwysiant ariannol a fydd o fudd iddynt. Yr argymhelliad arall roeddwn eisiau canolbwyntio arno, ac mae wedi cael ei grybwyll gryn dipyn heddiw, yw cysyniad Banc Cambria, y banc cymunedol. Rwyf wedi gweithio'n eithaf caled gydag Undeb Credyd Celtic yng Nghastell-nedd Port Talbot. Maent yn eithaf pryderus am rywfaint o'r dyblygu a allai ddigwydd pe bai Banc Cambria yn cael ei sefydlu. Nawr, rwy'n cefnogi'r cysyniad o fanc cymunedol, rydym yn cefnogi'r cysyniad hwnnw fel plaid, ond y cyfan a ddywedaf yw bod angen inni sicrhau bod unrhyw fanc cymunedol newydd yn gweithio ar y cyd, yn gweithio mewn cytgord, â'r sector undebau credyd. Maent yn rhoi benthyciadau, maent yn helpu pobl yn eu cymunedau. Nid ydym eisiau gweld y rhwydwaith hwnnw'n cael ei fygwth gan unrhyw fanc cymunedol newydd. Credaf mai mater arall roeddwn eisiau ei ystyried, yn deillio o'r hyn a ddywedodd Russell George, oedd cyllid unrhyw fanc cymunedol newydd. Rydym yn gwybod bod Llywodraeth Cymru wedi rhoi £600,000 i gefnogi'r arian cychwynnol neu'r arian sbarduno ar gyfer Banc Cambria, ond maent yn dweud wrthym y byddai'n costio £20 miliwn i sefydlu Banc Cambria gyda'r holl reoliadau ac ati. Mae ymateb Llywodraeth Cymru yn cyfeirio'n fanwl at yr arian sbarduno, ac yn dweud, 'nid yw'r holl fuddsoddiad yn debygol o fod yn fwy na £600,000'. Fodd bynnag, roedd adroddiad y pwyllgor yn argymell y dylai Llywodraeth Cymru egluro lefel y cymorth y mae'n rhagweld y bydd yn ei gynnig i'r banc cymunedol yn y dyfodol. Ond buaswn yn awgrymu y gallai ymateb Llywodraeth Cymru fod yn gliriach. Er enghraifft, a dyfynnaf o ymateb Llywodraeth Cymru, 'Y buddsoddiad cychwynnol a gynigir i Fanc Cambria yw profi dichonoldeb a phrawf o'r cysyniad yn y cam cyntaf er mwyn galluogi'r banc i ymgysylltu â'r Awdurdod Rheoleiddio Darbodus (PRA) a'r Awdurdod Ymddygiad Ariannol (FCA) gyda'r bwriad o gael caniatâd i sefydlu banc; nid yw wedi cyrraedd y cam o ddarparu'r buddsoddiad mwy sylweddol y bydd ei angen i gyfalafu'r banc os bydd yn llwyddo i gael trwydded fancio.' Nawr, mae geiriad y frawddeg olaf ychydig yn aneglur, a hoffwn gael rhywfaint o eglurder gan Lywodraeth Cymru. A ydych yn agor y drws i fwy o fuddsoddiad yn y dyfodol? Mae £600,000 yn dân siafins o'i gymharu â'r £20 miliwn sydd ei angen, a buaswn yn meddwl y byddai Llywodraeth Cymru - [ Torri ar draws.] Nid wyf yn gwybod a oes gennyf amser.