techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: We'll move on to the main focus of our meeting today, which is an opportunity to scrutinise the Welsh Government's first supplementary budget for 2019-20, May I welcome the Minister for Finance and Trefnydd, Rebecca Evans, along with Matthew Denham-Jones, deputy director of financial controls within Welsh Government, and Sharon Bounds, head of budgetary control and financial policy in Welsh Government. A warm welcome to you all. We'll move immediately to questions, if we may, and I will start by noting the fact that the supplementary budget does allocate over £260 million additional net funds to departments, as we know, and the majority of that is associated with public sector pensions. We will have noted, as Members, your statement this morning on the fact that the UK Government is not fully funding the amount required for meeting requirements in terms of those pensions. Can you outline to us what discussions you've had with the UK Government on this subject and how we have come to this point where there's a deficit of £36 million?
Welsh: Ymlaen â ni, felly, at brif ffocws ein cyfarfod ni'r bore yma, sef cyfle i graffu ar gyllideb atodol gyntaf Llywodraeth Cymru ar gyfer 2019-20. A gaf i groesawu'r Gweinidog Cyllid a'r Trefnydd, Rebecca Evans, atom ni, a hefyd Matthew Denham-Jones, dirprwy gyfarwyddwr rheolaeth ariannol Llywodraeth Cymru, a Sharon Bounds, pennaeth rheoli cyllidebau a pholisi ariannol Llywodraeth Cymru? Croeso i'r tri ohonoch chi. Awn ni'n syth i gwestiynau, os cawn ni, i ddechrau, ac fe wnaf i gychwyn gyda'r ffaith bod y gyllideb atodol, wrth gwrs, yn dyrannu dros £260 miliwn net yn ychwanegol i adrannau, fel rŷm ni'n gwybod, ac mae'r rhan fwyaf o hwnnw'n gysylltiedig â phensiynau sector cyhoeddus. Mi fyddwn ni wedi nodi, dwi'n siŵr, fel Aelodau, eich datganiad chi'r bore yma ynglŷn â'r ffaith nad yw Llywodraeth y Deyrnas Unedig yn ariannu'n llawn y swm sydd ei angen arnom ni ar gyfer cwrdd â'r gofyniad o safbwynt y pensiynau hynny. Allwch chi amlinellu i ni, efallai, pa drafodaethau rŷch chi wedi'u cael gyda Llywodraeth y Deyrnas Unedig a sut rydym ni wedi dod i'r pwynt lle mae yna ddiffyg o £36 miliwn?
English: Thank you very much. Alun.
Welsh: Diolch yn fawr. Alun.
English: Thanks, Mike. I want to ask a few questions about Brexit and the effect of Brexit. No Assembly committee happens without a reference to Brexit. But, of course, you did prepare a draft budget and a final budget this year on the basis of the expectation that we would be out of Europe by March this year. So, can I ask how this supplementary budget amends those plans to take consideration of the fact that we're still in?
Welsh: Diolch, Mike. Dwi eisiau gofyn cwpwl o gwestiynau ynglŷn â Brexit ac effaith Brexit. Does dim un pwyllgor Cynulliad yn digwydd heb ein bod ni'n cyfeirio at Brexit, wrth gwrs, ond mi baratowyd drafft o'r gyllideb a'r gyllideb derfynol eleni, wrth gwrs, ar sail disgwyliad y byddem ni allan o Ewrop erbyn mis Mawrth eleni. Felly, a gaf i ofyn sut mae'r gyllideb atodol yma yn diwygio'r cynlluniau hynny i ystyried, wrth gwrs, y ffaith ein bod ni'n dal i mewn?
English: I would like to follow up on that £85 million, the way you were talking about how it's cut down into four funding schemes. Could you tell us a little about how these four areas reflect your priorities, and the areas that you're keen to prioritise in the 'no deal' scenario?
Welsh: Fe fydden i yn licio mynd ar ôl yr £85 miliwn yma, fel roeddech chi'n sôn amdano fe, a'r ffaith bod e wedi'i dorri lawr i bedwar cynllun ariannu. Efallai gallech chi ddweud ychydig ynglŷn â sut mae'r pedwar maes yna yn adlewyrchu eich blaenoriaethau chi, a'r meysydd rŷch chi yn awyddus i'w blaenoriaethu yn y senario dim cytundeb.
English: Okay, thank you. In terms of looking at the current situation, of course, we still don't know whether we'll be in or out of the European Union; it's possible we will be out - it's increasingly likely, it seems, as things are going - at the end of October. So, can I ask you how you are planning for allocations within the financial year and, of course, for the second supplementary budget? How are you preparing for that? For example, are you looking at reserves and earmarking reserves for dealing with the implications of Brexit during this financial year?
Welsh: Iawn, diolch. Wrth edrych ar y sefyllfa bresennol, wrth gwrs, dydyn ni'n dal ddim yn gwybod a fyddwn ni fewn neu allan o'r Undeb Ewropeaidd; mae'n bosib y byddwn ni allan - yn gynyddol debygol, efallai, fel mae'n mynd - ar ddiwedd mis Hydref. Felly, gaf i ofyn sut ydych chi'n cynllunio ar gyfer dyraniadau oddi fewn i'r flwyddyn ariannol ac, wrth gwrs, wrth edrych ar yr ail gyllideb atodol efallai? Sut ydych chi'n paratoi ar gyfer hynny? Er enghraifft, ydych chi yn fwriadol yn edrych ar arian wrth gefn a chlustnodi arian wrth gefn ar gyfer delio â goblygiadau Brexit yn ystod y flwyddyn ariannol yma?
English: Right. Thank you, and I'm sure we all understand how difficult it is under these circumstances to make the plans that any Government would wish to do not knowing what's facing them, of course. Rhun, of course.
Welsh: Iawn. Diolch yn fawr, a dwi'n siŵr ein bod ni i gyd yn deall pa mor anodd yw hi o dan yr amgylchiadau i allu gwneud y cynllunio y byddai unrhyw Lywodraeth yn dymuno ei wneud heb wybod, wrth gwrs, beth sydd o'u blaenau nhw. Ie, Rhun, wrth gwrs.
English: How developed are those negotiations with the UK Government on the financial support that the Welsh Government would inevitably need were we to leave without a deal? Given the other evidence we've seen in terms of the willingness of the UK Government to provide what Wales needs, what real hope is there that additional support will be provided?
Welsh: Pa mor ddatblygedig ydy'r trafodaethau yna efo Llywodraeth Prydain ynglŷn â'r cymorth ariannol fyddai Llywodraeth Cymru yn anochel ei angen pe baem ni'n gadael heb gytundeb? O ystyried tystiolaeth amgen ynglŷn â pharodrwydd Llywodraeth Prydain i roi yr hyn sydd ei angen i Gymru, pa obaith gwirioneddol sydd yna y daw yna gymorth ychwanegol?
English: Thank you very much. Just a few questions about the expenditure on business support and £15 million of the capital funding package of £85 million that's been allocated to the main expenditure group. Some £10 million of that has been allocated to the economy futures fund that's going to - and I'm quoting here - speed up the work of providing various support packages. Can you give us an idea of the kind of support packages that have been chosen and when we will feel the effects of this expenditure?
Welsh: Diolch yn fawr iawn. Cwpl o gwestiynau ynglŷn â gwariant ar gefnogaeth busnes a £15 miliwn o'r pecyn cyllid cyfalaf o £85 miliwn sydd wedi cael ei ddyrannu i'r prif grŵp gwariant economi a thrafnidiaeth. Mae £10 miliwn o hwnnw wedi'i ddyrannu ar gyfer cronfa economi'r dyfodol i - a dwi'n dyfynnu fan hyn - gyflymu'r gwaith o ddarparu'r gwahanol becynnau cymorth. Allwch chi roi syniad i ni o'r mathau o becynnau cymorth sydd wedi cael eu dewis a pha bryd dŷn ni'n mynd i deimlo effaith y gwariant yma?
English: And, may I ask: are these schemes that are ready to go? That is, is the money already allocated in order to respond to specific needs in areas where the money could be used quite quickly to see the results we need?
Welsh: Ac, os caf i ofyn: ydy'r rhain yn gynlluniau sy'n barod i fynd? Hynny ydy, a ydy'r arian wedi cael ei ddyrannu er mwyn ymateb i alw penodol ar gyfer meysydd lle gallai'r arian gael ei wario'n eithaf cyflym er mwyn cael canlyniadau'n eithaf cyflym?
English: Another £5 million of the same £85 million support package is allocated for trunk and motorway maintenance. The allocation notes, specifically, that there is an intention here to support the specialist supply chain. I'm not sure whether there's any more detail that you could share regarding what you mean by that.
Welsh: Mae yna £5 miliwn arall wedyn allan o'r un £85 miliwn sydd ar gyfer cynnal a chadw cefnffyrdd a thraffyrdd. Mae o'n nodi'n benodol fod yna fwriad yn fan hyn i gefnogi'r gadwyn gyflenwi arbenigol. Wn i ddim os oes yna ragor o fanylion allwch chi rannu ynglŷn â beth yn union dŷch chi'n ei feddwl wrth hynny.
English: Okay. Perhaps we may get some more information from the economy Minister, therefore. Thank you.
Welsh: Ocê, mae'n bosibl gawn ni ragor o wybodaeth gan Weinidog yr economi, felly. Diolch yn fawr.
English: Thank you very much. May I thank the Minister and her officials for joining us this morning? We're extremely grateful to you for joining us here in Aberystwyth. Of course, we will be reporting on this supplementary budget relatively soon. It will also be subject to further debate in the Senedd. So, thank you very much for joining us.
Welsh: Diolch yn fawr. A gaf i ddiolch i'r Gweinidog a'i swyddogion am fod gyda ni y bore yma? Dŷn ni'n ddiolchgar i chi am y ffaith eich bod chi wedi dod atom ni yma yn Aberystwyth. Mi fyddwn ni, wrth gwrs, yn adrodd ar y gyllideb atodol yma yn fuan. Ac wrth gwrs, mi fydd hefyd yn destun trafodaeth bellach yn y Senedd. Felly, diolch yn fawr iawn i chi am fod gyda ni.
English: The committee will now move into private session. So, in accordance with Standing Order 17.42 (vi), I propose that the committee resolves to exclude the public from the meeting for item 5 and the start of the meeting on 3 July, which is next week. Are Members content?
Welsh: Mi fydd y pwyllgor nawr yn symud i sesiwn breifat. Felly, yn unol â Rheol Sefydlog 17.42 (vi), dwi'n cynnig fod y pwyllgor yn penderfynu gwahardd y cyhoedd o'r cyfarfod ar gyfer eitem 5 a hefyd o ddechrau'r cyfarfod ar 3 Gorffennaf yr wythnos nesaf. Ydy Aelodau yn fodlon gyda hynny?
English: Are Members content for us to move to private session? Thank you very much.
Welsh: Ydy Aelodau'n hapus, felly, i ni symud i sesiwn brefat? Iawn, diolch yn fawr iawn i chi i gyd. Diolch.
English: The first item on our agenda today is questions to the First Minister, and the first question is from Neil Hamilton.
Welsh: Yr eitem gyntaf ar ein hagenda ni'r prynhawn yma yw'r cwestiynau i'r Prif Weinidog, ac mae'r cwestiwn cyntaf gan Neil Hamilton.
English: Llywydd, the last available Programme for International Student Assessment results were published in 2016. Since that time, the Welsh Government has put in place an ambitious programme of education reform, designed to raise standards, reduce the attainment gap and improve educational performance.
Welsh: Llywydd, cyhoeddwyd y canlyniadau diwethaf sydd ar gael ar gyfer y Rhaglen Ryngwladol Asesu Myfyrwyr yn 2016. Ers hynny, mae Llywodraeth Cymru wedi cyflwyno rhaglen uchelgeisiol o ddiwygio addysg, sydd â'r nod o godi safonau, lleihau'r bwlch cyrhaeddiad a gwella perfformiad addysgol.
English: Well, last time, the PISA results in Wales were worse than any other part of the United Kingdom, and that was the fourth time in succession that that dismal position was reached. The results will be out later in the year. Will the First Minister join me in confidently predicting that nothing much has changed? Last week, Lee Waters, in a moment of refreshing candour, said that the Labour Government has no real idea what it's doing with the economy. The state of the health service proves it has no idea what it's doing in health, and the state of the education service means that it has no idea what it's doing in education either.
Welsh: Wel, y tro diwethaf, roedd y canlyniadau PISA yng Nghymru yn waeth nag yn unrhyw ran arall o'r Deyrnas Unedig, a dyna'r pedwerydd tro yn olynol y cyrhaeddwyd y sefyllfa druenus honno. Bydd y canlyniadau yn cael eu cyhoeddi yn ddiweddarach yn y flwyddyn. A wnaiff y Prif Weinidog ymuno â mi i ragweld yn ffyddiog nad oes fawr ddim wedi newid? Yr wythnos diwethaf, dywedodd Lee Waters, mewn eiliad o onestrwydd i'w groesawu, nad oes gan y Llywodraeth Lafur unrhyw syniad mewn gwirionedd o beth y mae'n ei wneud gyda'r economi. Mae cyflwr y gwasanaeth iechyd yn profi nad oes ganddi unrhyw syniad o beth mae'n ei wneud ym maes iechyd, ac mae cyflwr y gwasanaeth addysg yn golygu nad oes ganddi unrhyw syniad o beth mae'n ei wneud ym maes addysg ychwaith.
English: Llywydd, I think the question was whether I would join the Member in speculating about the results. I won't do that. The results will be available later in the autumn, and we look forward to debating them then.
Welsh: Llywydd, rwy'n credu mai'r cwestiwn oedd a wnaf i ymuno â'r aelod i ddyfalu ynghylch y canlyniadau. Ni wnaf i hynny. Bydd y canlyniadau ar gael yn ddiweddarach yn yr hydref, ac edrychwn ymlaen at eu trafod bryd hynny.
English: First Minister, like it or not, the PISA results are a well-recognised measure of Wales's performance on education - recognised across the world. Within Wales, we are still uncertain as to how illuminating the new framework for measuring school performance will be and how it will be read in the context of the international comparators. What research has the Government done on whether our PISA results impact on overseas investors' decisions to commit to Wales, and do we know yet whether pupils in Wales will still be invited - randomly - to sit the PISA tests when the new curriculum is introduced?
Welsh: Prif Weinidog, pa un a ydych chi'n ei hoffi ai peidio, mae'r canlyniadau PISA yn fesur a gydnabyddir yn eang o berfformiad Cymru o ran addysg - fe'u cydnabyddir ledled y byd. Yng Nghymru, rydym ni'n dal yn ansicr ynghylch pa mor ddadlennol fydd y fframwaith newydd ar gyfer mesur perfformiad ysgolion a sut y bydd yn cael ei ddarllen yng nghyd-destun y cymaryddion rhyngwladol. Pa waith ymchwil y mae'r Llywodraeth wedi ei wneud i weld a yw ein canlyniadau PISA yn effeithio ar benderfyniadau buddsoddwyr tramor i ymrwymo i Gymru, ac a ydym ni'n gwybod eto a fydd disgyblion yng Nghymru yn dal i gael eu gwahodd - ar hap - i sefyll y profion PISA pan fydd y cwricwlwm newydd yn cael ei gyflwyno?
English: Llywydd, I know of no research that refers to the Member's first question, and I'm not surprised at that, because the tenuous link between the two propositions didn't seem to me, at first glance, to merit research. As to the second point the Member makes, well, of course, PISA is an Organisation for Economic Co-operation and Development measure, and the OECD say that we are doing the right things here in Wales. I have seen nothing that suggests to me that the PISA methodology would not be used here in Wales when the new curriculum is in operation.
Welsh: Llywydd, nid wyf i'n ymwybodol o unrhyw waith ymchwil sy'n cyfeirio at gwestiwn cyntaf yr Aelod, ac nid wyf i'n synnu at hynny, oherwydd nid oedd y cysylltiad tenau rhwng y ddau gynnig yn ymddangos i mi, ar yr olwg gyntaf, yn deilwng o ymchwil. O ran yr ail bwynt y mae'r Aelod yn ei wneud, wel, wrth gwrs, mae PISA yn un o fesurau'r Sefydliad ar gyfer Cydweithrediad a Datblygiad Economaidd, ac mae'r OECD yn dweud ein bod ni'n gwneud y pethau iawn yma yng Nghymru. Nid wyf i wedi gweld dim sy'n awgrymu i mi na fyddai'r dull PISA yn cael ei ddefnyddio yma yng Nghymru pan fydd y cwricwlwm newydd yn weithredol.
English: I thank Jack Sargeant for that, Llywydd. Supporting our town centres and high streets is a major part of our regeneration effort. Taking into account levered-in funding, by the time our current programme is complete, over £800 million will have been invested in our town centres since 2014.
Welsh: Diolchaf i Jack Sargeant am hynna, Llywydd. Mae cefnogi canol ein trefi a'n strydoedd mawr yn rhan fawr o'n hymdrech adfywio. O gymryd cyllid a ysgogwyd i ystyriaeth, erbyn yr adeg y bydd ein rhaglen bresennol wedi ei chwblhau, bydd dros £800 miliwn wedi ei fuddsoddi yng nghanol ein trefi ers 2014.
English: Can I thank the First Minister for that response? You will know, as Members will know across the Chamber, that a big impact on our high streets across Wales has been the closure of banks, which has been particularly damaging in Buckley in my constituency. Assembly research shows that more than 200 banks have shut in Wales since 2008. Llywydd, this presents a huge challenge for many, including the elderly and our most vulnerable people, who often rely on face-to-face services. Llywydd, I was very pleased to read the First Minister's response to me on this issue, to a letter I wrote to him recently. So, would the First Minister agree with me that we need to prioritise the idea of a community bank for Wales, ensure that pilot areas are strategically located, and that we must restore these much-needed and valued services?
Welsh: A gaf i ddiolch i'r Prif Weinidog am yr ymateb yna? Byddwch yn gwybod, fel y bydd Aelodau'n gwybod ar draws y Siambr, mai un effaith sylweddol ar ein strydoedd mawr ledled Cymru fu cau banciau, sydd wedi bod yn arbennig o niweidiol ym Mwcle yn fy etholaeth i. Mae gwaith ymchwil y Cynulliad yn dangos bod dros 200 o fanciau wedi cau yng Nghymru ers 2008. Llywydd, mae hon yn her enfawr i lawer, gan gynnwys yr henoed a'n pobl sydd fwyaf agored i niwed, sy'n aml yn dibynnu ar wasanaethau wyneb yn wyneb. Llywydd, roeddwn i'n falch iawn o ddarllen ymateb y Prif Weinidog i mi ar y mater hwn, i lythyr a ysgrifennais ato yn ddiweddar. Felly, a yw'r Prif Weinidog yn cytuno â mi bod angen i ni flaenoriaethu'r syniad o fanc cymunedol i Gymru, sicrhau bod ardaloedd arbrofi wedi eu lleoli'n strategol, a bod yn rhaid i ni adfer y gwasanaethau hyn y mae wir eu hangen ac sy'n cael eu gwerthfawrogi?
English: Llywydd, I thank Jack Sargeant for that. When he quotes the figure of 200 banks having closed in Wales in recent times, that illustrates the point he made about the way in which this touches almost every constituency and every Member here in the Chamber. That is why we are committed to doing everything possible to support and test the feasibility of creating a community bank for Wales. And the Welsh Government is actively involved with a number of stakeholders in this area. We're taking expert advice through those organisations that have already began this journey. There are challenges, as I explained in my correspondence with the Member. You have to have regulatory approval, through some quite complex machinery, and we will need help with that, and you need to secure the support of local populations in order that a community bank will have customers and people who are willing to deposit with them. In that regard, it's been very good to see Banc Cambria establish itself here in Wales. It held a special general meeting on 28 June in Llandrindod. I understand it was well attended and successful, and, working with community-based organisations, as part of our efforts to create the bank, will, we believe, be part of the recipe that will make it successful.
Welsh: Llywydd, diolchaf i Jack Sargeant am hynna. Pan fo'n dyfynnu'r ffigur o 200 o fanciau sydd wedi cau yng Nghymru yn ddiweddar, mae hynny'n dangos y pwynt a wnaeth am y ffordd y mae hyn yn effeithio ar bron pob etholaeth a phob Aelod sydd yma yn y Siambr. Dyna pam yr ydym ni wedi ymrwymo i wneud popeth posibl i gefnogi a phrofi ymarferoldeb creu banc cymunedol i Gymru. Ac mae Llywodraeth Cymru yn ymwneud yn weithredol â nifer o randdeiliaid yn y maes hwn. Rydym ni'n cymryd cyngor arbenigol drwy'r sefydliadau hynny sydd eisoes wedi cychwyn ar y daith hon. Ceir heriau, fel yr esboniais yn fy ngohebiaeth gyda'r Aelod. Mae'n rhaid i chi gael cymeradwyaeth reoliadol, trwy rai prosesau dra chymhleth, a bydd angen cymorth arnom ni gyda hynny, ac mae angen i chi sicrhau cefnogaeth poblogaethau lleol fel y bydd gan fanc cymunedol gwsmeriaid a phobl sy'n barod i adneuo â nhw. Yn hynny o beth, mae wedi bod yn dda iawn gweld Banc Cambria yn sefydlu ei hun yma yng Nghymru. Cynhaliodd gyfarfod cyffredinol arbennig ar 28 Mehefin yn Llandrindod. Deallaf fod llawer yn bresennol a'i fod yn llwyddiannus, ac, yn ein barn ni, bydd gweithio gyda sefydliadau cymunedol, yn rhan o'n hymdrechion i greu'r banc, yn rhan o'r rysáit a fydd yn ei wneud yn llwyddiannus.
English: The departure of the banks from our high streets does leave a gap that needs to be filled, and there are a number of examples of businesses taking over bank premises, whilst we are also looking at ways to bring financial services back into our town centres. But there is the case of one business in my constituency that is trying to invest in turning a bank into a business in the leisure sector. There was some grant funding supposed to be available from Government to help them in that regard. The pot of money that was to be used was empty by the time the application arrived. Can the First Minister give us an assurance that all opportunities will be sought to ensure that these pots of funding are sufficient for businesses such as this one, and is he willing to look into what happened in this particular case?
Welsh: Mae ymadawiad y banciau o'r stryd fawr, wrth gwrs, yn gadael gwagle sydd angen ei lenwi, ac mae yna sawl enghraifft o fusnesau yn cymryd drosodd y banciau, tra rydym, wrth gwrs, ar yr un pryd yn chwilio am ffyrdd newydd i ddod â gwasanaethau ariannol i mewn i'n trefi ni. Ond mae yna achos un busnes yn fy etholaeth i sy'n ceisio buddsoddi mewn troi banc yn fusnes yn y sector hamdden. Mi oedd yna gyllid grant i fod i ddod gan y Llywodraeth i'w helpu nhw yn hynny o beth. Mi oedd y pot o arian yr oedd yn mynd i gael ei ddefnyddio yn wag erbyn i'r cais gyrraedd. A all y Prif Weinidog roi sicrwydd y bydd pob cyfle yn cael ei chwilio amdano fo i sicrhau bod y potiau yma o arian yn ddigonol ar gyfer busnesau fel hyn, ac a ydy o'n barod i edrych i mewn i'r hyn ddigwyddodd yn yr achos hwn?
English: Well, of course, Llywydd, I'm happy to look into the case that the Member has raised. We know that, when funds are available, there's a great deal of interest the length and breadth of Wales among businesses who want to establish and to grow. So, I can see why, when some people do turn to certain funds, there is nothing left, but I will be happy to look into the case that Rhun ap Iorwerth has raised.
Welsh: Wel, wrth gwrs, Llywydd, dwi'n hapus i edrych i mewn i'r achos mae'r Aelod wedi codi. Rŷn ni'n gwybod, pan fo'r arian ar gael, fod lot o ddiddordeb ledled Cymru gyda busnesau sydd eisiau sefydlu a thyfu hefyd. So, dwi'n gallu gweld pam, pan fydd rhai pobl yn mynd at y gronfa, does dim arian ar ôl, ond, wrth gwrs, dwi'n hapus i edrych ar yr achos mae Rhun ap Iorwerth wedi'i godi.
English: Jack Sargeant has raised an important question regarding banks, First Minister, and we know that there have been a spate of closures across Wales, which have caused concern for local people. In my own area, the town of Usk lost all its banks in quick succession and then the post office - the only financial service that was left - was also under threat. That's been saved through joint action taken by the council and other groups to move it into the local community hub. I imagine that is happening elsewhere. If not, it's possibly good practice that can be used in other towns across Wales to make sure that, when towns do lose their banks and the post office is under threat, there is still access to all-important financial services for vulnerable people who need them.
Welsh: Mae Jack Sargeant wedi codi cwestiwn pwysig am fanciau, Prif Weinidog, ac rydym ni'n gwybod y bu llu o achosion o gau banciau ledled Cymru, sydd wedi peri pryder i bobl leol. Yn fy ardal i fy hun, collodd tref Brynbuga ei holl fanciau un ar ôl ei gilydd yn gyflym iawn ac yna roedd swyddfa'r post - yr unig wasanaeth ariannol a oedd ar ôl - hefyd dan fygythiad. Achubwyd honno trwy gamau ar y cyd a gymerwyd gan y cyngor a grwpiau eraill i'w symud i'r ganolfan gymunedol leol. Tybiaf fod hynny'n digwydd mewn mannau eraill. Os nad yw, efallai ei fod yn arfer y gellir ei ddefnyddio mewn trefi eraill ledled Cymru i wneud yn siŵr, pan fydd trefi yn colli eu banciau a bod swyddfa'r post dan fygythiad, bod gwasanaethau ariannol hollbwysig yn dal i fod ar gael i bobl agored i niwed sydd eu hangen nhw.