English: Diolch yn fawr, Llyr. I am aware that a number of voluntary organisations are experiencing difficulties with regard to banking services. That could be, as you say, identifying an account that is free - another burden for the voluntary sector - and also suitable to the needs of the voluntary organisations, as well as if there's one anyway now, with the closure of banks in the first place. I think it is important that we look to our 19 county voluntary councils, particularly for the third sector - the voluntary organisations that do provide advice and guidance to the sector in their areas, in their communities - but also look to credit unions in Wales. They're able to provide accounts and banking facilities to charitable organisations. I do want to just mention a great voluntary organisation, a charity called Purple Shoots. They've been working with credit unions to promote opportunities to promote services with the credit unions for this purpose. And also, we've just appointed WCVA to establish the community asset loan fund on our behalf. We will meet with banks very shortly to remind them of their need to ensure that people in Wales are not disadvantaged by their decisions to keep closing branches, and we will raise this issue that the Member has raised with them in terms of the opportunities for voluntary organisations. We do obviously have our commitment to our community bank. It's very tightly regulated; I think I responded in previous questions about this. Establishing the community bank for Wales is under way and, in fact, the Minister for Economy, Vaughan Gething, has got the oversight of the creation of the community bank for Wales in its development phase through to the establishment by the private sector. Of course, it's Banc Cambria, and it's subject to regulatory approval when we get to that point. It is going to be a mutual bank headquartered in Wales, owned by and run for the benefit of its members with 30 new outlets over the next decade. I know that we will be able to update Members on progress, starting, of course, with the update from the Minister for Economy.
Welsh: Diolch yn fawr, Llyr. Rwy'n ymwybodol fod nifer o sefydliadau gwirfoddol yn cael anawsterau gyda gwasanaethau bancio. Fel y dywedwch, gallai hynny olygu dod o hyd i gyfrif sy'n rhad ac am ddim - baich arall i'r sector gwirfoddol - a hefyd yn addas ar gyfer anghenion mudiadau gwirfoddol, a gweld a oes banc ar gael beth bynnag bellach gyda chau banciau yn y lle cyntaf. Credaf ei bod yn bwysig inni edrych ar ein 19 cyngor gwirfoddol sirol, yn enwedig ar gyfer y trydydd sector - y mudiadau gwirfoddol sy'n rhoi cyngor ac arweiniad i'r sector yn eu hardaloedd, yn eu cymunedau - ac edrych hefyd ar undebau credyd yng Nghymru. Gallant ddarparu cyfrifon a chyfleusterau bancio i sefydliadau elusennol. Rwyf am sôn am fudiad gwirfoddol gwych, elusen o'r enw Purple Shoots. Maent wedi bod yn gweithio gydag undebau credyd i hyrwyddo cyfleoedd i hybu gwasanaethau gyda'r undebau credyd at y diben hwn. A hefyd, rydym newydd benodi Cyngor Gweithredu Gwirfoddol Cymru i sefydlu'r gronfa benthyciadau asedau cymunedol ar ein rhan. Byddwn yn cyfarfod â banciau cyn bo hir iawn i'w hatgoffa o'r angen i sicrhau nad yw pobl yng Nghymru dan anfantais oherwydd eu penderfyniadau i ddal ati i gau canghennau, a byddwn yn codi'r mater y mae'r Aelod wedi'i godi gyda hwy mewn perthynas â chyfleoedd i sefydliadau gwirfoddol. Wrth gwrs, mae gennym ymrwymiad i'n banc cymunedol. Mae'n cael ei reoleiddio'n dynn iawn; credaf imi ymateb mewn cwestiynau blaenorol ynglŷn â hyn. Mae gwaith ar y gweill i sefydlu banc cymunedol i Gymru, ac mewn gwirionedd, Gweinidog yr Economi, Vaughan Gething, sydd â throsolwg ar greu banc cymunedol Cymru yn ei gyfnod datblygu hyd at ei sefydlu gan y sector preifat. Dyna yw Banc Cambria wrth gwrs, ac mae'n amodol ar gymeradwyaeth reoleiddiol pan fyddwn yn cyrraedd y pwynt hwnnw. Bydd yn fanc cydfuddiannol yng Nghymru, sy'n eiddo i'w aelodau ac yn cael ei redeg er budd ei aelodau, gyda 30 o safleoedd newydd dros y degawd nesaf. Gwn y byddwn yn gallu rhoi'r wybodaeth ddiweddaraf i'r Aelodau am y cynnydd, gan ddechrau, wrth gwrs, gyda'r wybodaeth ddiweddaraf gan Weinidog yr Economi.