English: Can I start by also reflecting the Member's comments and recognising the work the citizens advice bureau provides in providing advice and promoting financial inclusion and that support for people in communities across the country, and also recognising the work both you and your colleague Gerald Jones have done in trying to prevent bank closures and best mitigate the impact? I know it's something that probably all Members in this Chamber will be familiar with, and familiar with having to campaign in that way as well. And, unfortunately, whilst we don't have the levers at our disposal in terms of regulation in terms of preventing banks from doing that, there is actually action we can take within Wales to make sure that financial inclusion doesn't suffer as a consequence of that. The Member mentions about the - [ Inaudible.] - access to ATMs through Link. We will continue to liaise with Link - as Welsh Government - the cash machine network to help ensure that there is adequate provision of free-to-use cash machines maintained locally, whilst focusing on our work with credit unions. There are 19 credit union providers we're supporting between April last year and March 2020, and Merthyr Tydfil is one of these as well. The Member is also familiar with the work being led by my colleague the Minister for Economy and Transport on developing a community bank in Wales. Banking professionals are currently working with the Development Bank of Wales, who support this work, ensuring that the creation of a community bank integrates with existing financial institutions, including the development bank and, of course, credit unions. Hopefully, this will go some way to supporting financially inclusive communities.
Welsh: A gaf fi ddechrau drwy ategu sylwadau'r Aelod a chydnabod y gwaith y mae'r ganolfan cyngor ar bopeth yn ei wneud wrth ddarparu cyngor a hyrwyddo cynhwysiant ariannol a'r gefnogaeth i bobl mewn cymunedau ledled y wlad, a chydnabod y gwaith rydych chi a'ch cydweithiwr Gerald Jones wedi'i wneud ar geisio atal banciau rhag cau a lliniaru effaith hynny? Gwn ei fod yn rhywbeth y bydd pob Aelod yn y Siambr hon yn gyfarwydd ag ef, mae'n debyg, ac yn gyfarwydd â gorfod ymgyrchu yn y ffordd honno hefyd. Ac yn anffodus, er nad yw'r dulliau ar gyfer rheoleiddio i atal banciau rhag gwneud hyn ar gael i ni, mae camau y gallwn eu cymryd yng Nghymru i sicrhau nad yw cynhwysiant ariannol yn dioddef o ganlyniad i hynny. Mae'r Aelod yn sôn am - [ Anghlywadwy.] - mynediad at beiriannau ATM drwy Link. Byddwn yn parhau i gysylltu â Link - fel Llywodraeth Cymru - y rhwydwaith peiriannau arian i helpu i sicrhau y cynhelir darpariaeth ddigonol o beiriannau codi arian parod am ddim yn lleol, gan ganolbwyntio ar ein gwaith gydag undebau credyd. Rydym yn cefnogi 19 o ddarparwyr undebau credyd rhwng mis Ebrill y llynedd a mis Mawrth 2020, ac mae Merthyr Tudful yn un o'r rhain hefyd. Mae'r Aelod yn gyfarwydd â'r gwaith a arweinir gan fy nghyd-Aelod, Gweinidog yr Economi a Thrafnidiaeth, ar ddatblygu banc cymunedol yng Nghymru. Ar hyn o bryd, mae bancwyr proffesiynol yn gweithio gyda Banc Datblygu Cymru, sy'n cefnogi'r gwaith hwn, er mwyn sicrhau bod creu banc cymunedol yn integreiddio â sefydliadau ariannol presennol, gan gynnwys y banc datblygu, ac undebau credyd wrth gwrs. Gobeithio y bydd hyn yn mynd beth o'r ffordd tuag at gefnogi cymunedau sy'n gynhwysol yn ariannol.