techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: Can I turn to - [ Interruption.] Yes, I know. Can I turn to constitutional matters? The Labour Party 2017 manifesto included a commitment to devolving policing to Wales. The Silk commission, set up by a Conservative-led administration, recommended it in 2014. Your own Government's Thomas commission recommended the devolution of policing and justice as a whole, and the Labour Party manifesto in 2017 said the Labour Government would work with you in using that report to sort out a failing justice system in Wales. The Brown commission recommendation to devolve just youth justice and probation takes us back 10 years in the devolution debate in Wales. But forget the politics, how about the real-world consequences? The Wales Governance Centre has just said that criminal justice outcomes in Wales are among the worst in Europe. What possible moral justification is there for leaving those powers in Westminster a minute longer than we have to, when they're causing such misery in so many people's lives?
Welsh: A gaf i droi at - [ Torri ar draws. ] Ie, rwy'n gwybod. A gaf i droi at faterion cyfansoddiadol? Roedd maniffesto'r Blaid Lafur yn 2017 yn cynnwys ymrwymiad i ddatganoli plismona i Gymru. Fe wnaeth comisiwn Silk, a sefydlwyd gan weinyddiaeth dan arweiniad y Ceidwadwyr, ei argymell yn 2014. Fe wnaeth comisiwn Thomas eich Llywodraeth eich hun argymell datganoli plismona a chyfiawnder yn eu cyfanrwydd, a dywedodd maniffesto'r Blaid Lafur yn 2017 y byddai'r Llywodraeth Lafur yn gweithio gyda chi i ddefnyddio'r adroddiad hwnnw i drwsio system gyfiawnder sy'n methu yng Nghymru. Mae argymhelliad Comisiwn Brown i ddatganoli cyfiawnder ieuenctid a'r gwasanaeth prawf yn unig yn mynd â ni'n ôl 10 mlynedd yn y ddadl ddatganoli yng Nghymru. Ond anghofiwch am y wleidyddiaeth, beth am y canlyniadau yn y byd go iawn? Mae Canolfan Llywodraethiant Cymru newydd ddweud bod canlyniadau cyfiawnder troseddol yng Nghymru gyda'r gwaethaf yn Ewrop. Pa gyfiawnhad moesol posibl sydd dros adael y pwerau hynny yn San Steffan funud yn hwy nag sydd rhaid, a hwythau'n achosi'r fath ddioddefaint ym mywydau cynifer o bobl?
English: Well, following on from that exchange -
Welsh: Wel, yn dilyn y cyfnewid hwnnw -
English: Well - [ Laughter.] - I thank Hefin David for raising the standard of debate here in the Senedd this afternoon. By working together, we have made real progress on a range of joint commitments that have a direct impact on people's ability to manage during this cost-of-living crisis. These include free school meals, the expansion of free childcare, and measures that help people to live in their local communities.
Welsh: Wel - [ Chwerthin.] - diolch i Hefin David am godi safon y ddadl yma yn y Senedd y prynhawn yma. Trwy weithio gyda'n gilydd, rydym wedi gwneud cynnydd gwirioneddol ar sawl ymrwymiad ar y cyd, sy'n cael effaith uniongyrchol ar allu pobl i ymdopi yn ystod yr argyfwng costau byw. Mae'r rhain yn cynnwys prydau ysgol am ddim, ehangu gofal plant am ddim, a mesurau sy'n helpu pobl i fyw yn eu cymunedau lleol.
English: Last week marked the one-year anniversary of the co-operation agreement - I'm glad to see it's still so healthy. [ Laughter.] But, one of the co-operation agreement's commitments, though, was something that we all share - at least this two thirds of the Chamber - namely a national care service for Wales. Unison Cymru launched a report last week at the Norwegian church that set out the need to support the pressing crisis in social care, and, last week, the First Minister said that he himself would like to revisit some of the funding issues on social care. I've mentioned in this Chamber before my personal support for a Holtham levy to resolve the crisis. I know he's said previously that, should we take that route, there is always a chance that the UK Government could take away with the other hand. I fully accept that argument. But, at this point in time, what assessment is he making of the need for us to act now, here in Wales, to resolve this crisis in social care?
Welsh: Roedd hi'n flwyddyn ers sefydlu'r cytundeb cydweithredu yr wythnos diwethaf - rwy'n falch o weld ei fod yn dal mor iach. [ Chwerthin.] Ond, un o ymrwymiadau'r cytundeb cydweithredu, fodd bynnag, oedd rhywbeth yr ydym ni i gyd yn ei rannu - o leiaf y ddwy ran o dair hyn o'r Siambr - sef gwasanaeth gofal cenedlaethol i Gymru. Lansiodd Unsain Cymru adroddiad yr wythnos diwethaf yn yr eglwys Norwyaidd a oedd yn nodi'r angen i gefnogi'r argyfwng dybryd ym maes gofal cymdeithasol, ac, yr wythnos ddiwethaf, dywedodd y Prif Weinidog yr hoffai ef ei hun ailystyried rhai o'r materion ariannu o ran gofal cymdeithasol. Rwyf i wedi sôn yn y Siambr hon o'r blaen am fy nghefnogaeth bersonol i ardoll Holtham i ddatrys yr argyfwng. Gwn ei fod wedi dweud yn y gorffennol, pe baem ni'n dilyn y llwybr hwnnw, mae wastad siawns y gallai Llywodraeth y DU gymryd i ffwrdd â'r llaw arall. Rwy'n derbyn y ddadl honno'n llwyr. Ond, ar hyn o bryd, pa asesiad y mae'n ei wneud o'r angen i ni weithredu nawr, yma yng Nghymru, i ddatrys yr argyfwng hwn ym maes gofal cymdeithasol?
English: First Minister, I don't think you'll be shocked by what I'm about to say. I may not share the same sentiments as Hefin David in relation to this. This co-operation agreement, which, quite frankly, my colleagues on these benches and those outside of this Chamber have been referring to as a coalition, because if it looks like one it normally is one, has brought in one damaging proposal after another. I'm referring to specifically the 20 mph default speed limits, a freeze on road building, a tourism tax, and creating more politicians in Cardiff Bay to the sum of over £100 million, and that amount is growing day by day. These proposals feel very far removed from the Welsh public's priorities. No-one here can deny - and no-one could even think about denying - that NHS waiting times have continued to grow. Wales has three quarters of a million people on waiting lists for treatment, the worst A&E waits in Britain, the slowest ambulance response times on record, and our schools are at the bottom of UK Programme for International Student Assessment rankings. So, First Minister, I'd like to know when is the Welsh Government going to address the people's priorities - [ Interruption.]
Welsh: Prif Weinidog, nid wyf i'n credu y byddwch chi'n cael eich syfrdanu gan yr hyn yr wyf i ar fin ei ddweud. Efallai nad wyf i'n rhannu'r un teimladau â Hefin David yn hyn o beth. Mae'r cytundeb cydweithredu hwn, y mae fy nghyd-Aelodau ar y meinciau hyn a'r rhai y tu allan i'r Siambr hon, i fod yn gwbl blaen, wedi bod yn cyfeirio ato fel clymblaid, oherwydd os yw'n edrych fel un mae yn un fel rheol, wedi cyflwyno un cynnig niweidiol ar ôl y llall. Rwy'n cyfeirio'n benodol at y terfynau cyflymder diofyn o 20 mya, atal adeiladu ffyrdd, treth twristiaeth, a chreu mwy o wleidyddion ym Mae Caerdydd am swm o dros £100 miliwn, ac mae'r swm hwnnw'n tyfu o ddydd i ddydd. Mae'r cynigion hyn yn teimlo ymhell iawn o flaenoriaethau'r cyhoedd yng Nghymru. Ni all neb yma wadu - ac ni allai neb hyd yn oed feddwl am wadu - bod amseroedd aros y GIG wedi parhau i dyfu. Mae gan Gymru dri chwarter miliwn o bobl ar restrau aros am driniaethau, yr arosiadau damweiniau ac achosion brys gwaethaf ym Mhrydain, yr amseroedd ymateb ambiwlansys arafaf a gofnodwyd erioed, ac mae ein hysgolion ar waelod cynghrair Rhaglen Ryngwladol Asesu Myfyrwyr y DU. Felly, Prif Weinidog, hoffwn wybod pryd mae Llywodraeth Cymru yn mynd i fynd i'r afael â blaenoriaethau'r bobl - [ Torri ar draws.]
English: I know that Labour backbenchers think they're helping the First Minister when they're commenting on the question in hand, but I don't think that's actually the case, because I think both the First Minister and myself struggle to hear the questions being asked at that point.
Welsh: Gwn fod aelodau meinciau cefn Llafur yn meddwl eu bod nhw'n helpu'r Prif Weinidog pan fyddan nhw'n gwneud sylwadau ar y cwestiwn dan sylw, ond nid wyf i'n credu bod hynny'n wir mewn gwirionedd, oherwydd rwy'n credu bod y Prif Weinidog a minnau'n ei chael hi'n anodd clywed y cwestiynau sy'n cael eu gofyn bryd hynny.
English: Thank you, Presiding Officer.
Welsh: Diolch, Llywydd.
English: So, if you can carry on with your question.
Welsh: Felly, os gallwch chi barhau gyda'ch cwestiwn.
English: No problem. So, First Minister, I'd like to know when is the Welsh Government going to address the people's priorities, or can the so-called co-operation agreement with your Plaid pals be best described as a simple Labour-saving device before the next elections? Thank you.
Welsh: Dim problem. Felly, Prif Weinidog, hoffwn wybod pryd mae Llywodraeth Cymru'n mynd i fynd i'r afael â blaenoriaethau'r bobl, neu a ellir disgrifio'r cytundeb cydweithredu honedig gyda'ch cyfeillion ym Mhlaid Cymru orau fel dyfais syml i achub Llafur cyn yr etholiadau nesaf? Diolch.
English: I thank Llyr Gruffydd for the question. I want to see an NHS that can respond to need in a clinically timely way and that is available to all who choose to use it. The NHS provides almost all of the primary and emergency care provided in Wales. Where patients choose to use the independent sector, they are, of course, free to do so.
Welsh: Diolch i Llyr Gruffydd am y cwestiwn, Llywydd. Rwyf am weld gwasanaeth iechyd sy'n gallu ymateb i angen yn brydlon, o safbwynt clinigol, ac sydd ar gael i bawb sy'n dewis ei ddefnyddio. Y gwasanaeth iechyd sy'n darparu bron y cyfan o'r gofal sylfaenol a'r gofal brys yng Nghymru. Os yw cleifion yn dewis defnyddio'r sector annibynnol, maen nhw'n rhydd i wneud hynny, wrth gwrs.
English: Thank you for that response. I want to share with you the experience of a constituent of mine who's a nurse and suffers with carpal tunnel syndrome on both hands. That causes the hands to swell, it brings a burning pain and shooting pain up the arms up to the elbows and, as she is a dental nurse, that has an impact on her ability to work. It also has an impact on her quality of life and well-being as an individual too. Now, having being told that the waiting list, back in July, was 12 months for emergency cases, she received confirmation in September that she is now considered an emergency case, but the waiting list is now two years long. Now, in despair, she's decided that she has no option but to access private treatment and, to fund that, she is having to sell her home. Now, you can accuse us of being pessimists if you choose, but do you think it's acceptable that somebody has to turn to a scenario where they have to sell their home to have access to a private service that should be available on the NHS? And doesn't this highlight the fact that there is an increasing move towards the use of private services, be that intentional or not, under your Government's leadership?
Welsh: Diolch ichi am eich ateb. Dwi eisiau rhannu gyda chi brofiad etholwraig i fi. Mae hi'n nyrs ac mae hi'n dioddef â phroblem twnnel carpal ar ei dwy law. Mae hynny, wrth gwrs, yn achosi'r dwylo i chwyddo, mae e'n dod â phoen llosgi a phoen yn saethu lan y fraich at y penelin, ac mae hynny, wrth gwrs, gan mai nyrs deintyddol yw hi, yn cael effaith ar ei gallu hi i weithio. Mae e hefyd, wrth gwrs, yn cael effaith ar ansawdd bywyd a'i llesiant hi fel unigolyn. Nawr, ar ôl cael gwybod bod y rhestr aros, yn ôl ym mis Gorffennaf, yn 12 mis ar gyfer achosion os ydyn nhw'n frys, mi gafodd hi gadarnhad ym mis Medi ei bod hi bellach yn cael ei hystyried yn achos brys, ond bod y rhestr aros bellach yn ddwy flynedd o hyd. Nawr, mewn anobaith, mae hi wedi penderfynu bod gyda hi ddim dewis ond mynd i gael triniaeth breifat, ac er mwyn ariannu hynny, mae hi yn gorfod gwerthu ei thŷ. Nawr, allwch chi ein cyhuddo ni o fod yn besimists os ŷch chi eisiau, ond ydych chi'n credu ei bod hi'n dderbyniol bod rhywun yn gorfod troi at sefyllfa lle maen nhw'n gwerthu eu tŷ i gael mynediad at wasanaeth preifat sydd i fod ar gael ar y gwasanaeth iechyd gwladol? Ac onid yw hyn yn amlygu bod yna symud cynyddol at ddefnyddio gwasanaethau preifat, boed hynny'n fwriadol neu beidio, o dan eich Llywodraeth chi?
English: The Member knows that it's impossible for me to respond to a case when I'm hearing the details for the first time in the Chamber. As I said in the original answer, I want to see an NHS in Wales that can provide services to people in a timely way, in every regard and in every part of the service.
Welsh: Wel, Llywydd, fel mae'r Aelod yn gwybod, mae'n amhosib i fi ymateb i achos ble dwi'n clywed am y manylion am y tro cyntaf yn y Siambr. Fel y dywedais i yn yr ateb gwreiddiol, dwi eisiau gweld gwasanaeth iechyd yma yng Nghymru ble mae'n gallu rhoi gwasanaethau i bobl mewn ffordd brydlon, ymhob agwedd o'r gwasanaeth.
English: And while it's very difficult to hear the sort of case that the Member has outlined this afternoon, it's still important to say that, even if you take the figures that are published by the private sector themselves - and, of course, they are there to make the case for their sector - but if you take their own figures on the use of the private sector in Wales, then, in planned care, 5 per cent of planned care in Wales is provided by the private sector; 95 per cent of it continues to be provided by the NHS. If you take into account the fact that half of operations in Wales are carried out as a result of emergency admission rather than planned admission, that falls to 2 per cent of people in Wales receiving their care through the private sector. And if you begin to take into account things like out-patient appointments, then actually, the fraction of care that is provided by the private sector in Wales falls to less than 1 per cent. So, while I'm always sorry to hear of anybody who has felt obliged to seek treatment outside the Welsh NHS, the global picture continues to show that people in Wales, quite rightly, are able to rely on the NHS to meet their needs, and that it does so for thousands and thousands and thousands of people across Wales every single week.
Welsh: Ac er ei bod hi'n anodd iawn clywed y math o achos y mae'r Aelod wedi ei amlinellu'r prynhawn yma, mae'n dal yn bwysig dweud, hyd yn oed os cymerwch chi'r ffigyrau a gyhoeddir gan y sector preifat eu hunain - ac, wrth gwrs, maen nhw yno i gyflwyno'r achos dros eu sector - ond os cymerwch chi eu ffigurau eu hunain ar ddefnydd o'r sector preifat yng Nghymru, yna, mewn gofal wedi'i gynllunio, mae 5 y cant o ofal wedi'i gynllunio yng Nghymru yn cael ei ddarparu gan y sector preifat; mae 95 y cant ohono'n parhau i gael ei ddarparu gan y GIG. Os gymerwch chi i ystyriaeth y ffaith bod hanner y llawdriniaethau yng Nghymru yn cael eu cyflawni o ganlyniad i dderbyniad brys yn hytrach na derbyniad wedi'i gynllunio, mae hynny'n gostwng i 2 y cant o bobl yng Nghymru yn cael eu gofal drwy'r sector preifat. Ac os dechreuwch chi gymryd i ystyriaeth pethau fel apwyntiadau cleifion allanol, yna mewn gwirionedd, mae ffracsiwn y gofal sy'n cael ei ddarparu gan y sector preifat yng Nghymru yn gostwng i lai nag 1 y cant. Felly, er bod bob amser yn ddrwg gen i glywed am unrhyw un sydd wedi teimlo rheidrwydd i gael gafael ar driniaeth y tu allan i GIG Cymru, mae'r darlun cyffredinol yn parhau i ddangos bod pobl yng Nghymru, yn gwbl briodol, yn gallu dibynnu ar y GIG i ddiwallu eu hanghenion, a'i fod yn gwneud hynny i filoedd ar filoedd ar filoedd o bobl ledled Cymru bob un wythnos.
English: First Minister, what I've noted is that over the last 12 months in particular, more of my constituents are opting to go for private treatment because they have made that decision that they no longer want to wait on an NHS waiting list, often in pain. On one occasion, one constituent, I know, went into debt in order to pay for private treatment. Now, the Health and Social Care Committee has heard quite a number of harrowing accounts of people waiting for private health care that has left them in serious debt. One person said this, and I quote: 'The NHS cancelled my scheduled surgery three times, even after my gynaecologist had emphasised how important it was that I have surgery urgently in order to preserve my bowel. Because of this, I paid over £15,000 to have two private surgeries that were essential for my health. This has made a huge impact on my finances and life plans'. My question is, First Minister: what is your advice to people who are on a waiting list, who have the ability to pay for private treatment, and are able to afford to do so? What is your advice to them, and what is your advice to people in the same situation who can't afford to pay but are considering going private, putting themselves into potential debt, because they're concerned about the pain that they're in?
Welsh: Prif Weinidog, yr hyn yr wyf i wedi ei nodi yw bod mwy o fy etholwyr, dros y 12 mis diwethaf yn benodol, yn dewis mynd i gael triniaeth breifat, gan eu bod nhw wedi gwneud y penderfyniad hwnnw nad ydyn nhw eisiau aros ar restr aros GIG mwyach, yn aml mewn poen. Ar un achlysur, fe aeth un etholwr, rwy'n gwybod, i ddyled er mwyn talu am driniaeth breifat. Nawr, mae'r Pwyllgor Iechyd a Gofal Cymdeithasol wedi clywed cryn nifer o hanesion torcalonnus pobl yn aros am ofal iechyd preifat sydd wedi eu gadael mewn dyled ddifrifol. Dywedodd un person hyn, ac rwy'n dyfynnu: 'Fe wnaeth y GIG ganslo fy llawdriniaeth a drefnwyd dair gwaith, hyd yn oed ar ôl i'm gynaecolegydd bwysleisio pa mor bwysig oedd hi fy mod i'n cael llawdriniaeth ar frys er mwyn cadw fy ngholuddyn. Oherwydd hyn, talais dros £15,000 i gael dwy lawdriniaeth breifat a oedd yn hanfodol ar gyfer fy iechyd. Mae hyn wedi cael effaith enfawr ar fy sefyllfa ariannol a fy nghynlluniau bywyd'. Fy nghwestiwn i yw, Prif Weinidog: beth yw eich cyngor i bobl sydd ar restr aros, sydd â'r gallu i dalu am driniaeth breifat, ac sy'n gallu fforddio gwneud hynny? Beth yw eich cyngor iddyn nhw, a beth yw eich cyngor i bobl yn yr un sefyllfa nad ydyn nhw'n gallu fforddio talu ond sy'n ystyried mynd yn breifat, rhoi eu hunain mewn dyled bosibl, gan eu bod nhw'n pryderu am y boen y maen nhw ynddo?
English: Well, my advice to them is to seek advice from their clinician and then to make an assessment that only they can make. There's no possible advice that either the Member or I can give to people standing here. They should get clinical advice, and then they should make their minds up.
Welsh: Wel, fy nghyngor i iddyn nhw yw gofyn am gyngor gan eu clinigwr ac yna gwneud asesiad mai dim ond nhw sy'n gallu ei wneud. Nid oes unrhyw gyngor posibl y gall yr Aelod na minnau ei roi i bobl yn sefyll yma. Dylen nhw gael cyngor clinigol, ac yna dylen nhw wneud eu penderfyniad.
English: Good afternoon, First Minister. One area where people do not have a choice in relation to whether they go private or not is dental treatment. Getting a dentist in Wales, particularly in a rural area like many of us represent here, is almost impossible. Dentists are choosing, now, to go private. Now, whilst we have always, as adults, paid something towards our treatment, there are many adults who now cannot afford to get dental treatment. But even more concerning, children cannot get an NHS dentist. I'm sure that we would agree that that is an intolerable situation. So, my questions are: do we know how many children in Wales are waiting for an NHS dentist? And could I ask what the Welsh Government is planning to do about that? Diolch yn fawr iawn.
Welsh: Prynhawn da, Prif Weinidog. Un maes lle nad oes gan bobl ddewis o ran a ydyn nhw'n mynd yn breifat ai peidio yw triniaeth ddeintyddol. Mae cael gafael ar ddeintydd yng Nghymru, yn enwedig mewn ardal wledig fel y mae nifer ohonom ni'n ei chynrychioli yma, bron yn amhosibl. Mae deintyddion bellach yn dewis troi'n breifat. Nawr, er ein bod ni erioed, fel oedolion, wedi talu rhywbeth tuag at ein triniaeth, ceir llawer o oedolion nad ydyn nhw'n gallu fforddio cael triniaeth ddeintyddol bellach. Ond yn fwy pryderus fyth, ni all plant gael gafael ar ddeintydd GIG. Rwy'n siŵr y byddem ni'n cytuno bod honno'n sefyllfa annioddefol. Felly fy nghwestiynau i yw: a ydym ni'n gwybod faint o blant yng Nghymru sy'n aros am ddeintydd GIG? Ac a gaf i ofyn beth mae Llywodraeth Cymru yn bwriadu ei wneud am hynny? Diolch yn fawr iawn.
English: Well, thank you for the question, of course.
Welsh: Wel, diolch am y cwestiwn, wrth gwrs.
English: Llywydd, we're committed to delivering 20,000 new low-carbon homes for rent in the social sector and have allocated record levels of funding, including more than doubling Swansea's funding since 2020-21. The first statistical release demonstrating progress towards this target is expected early next year.
Welsh: Llywydd, rydym ni wedi ymrwymo i ddarparu 20,000 o gartrefi carbon isel newydd i'w rhentu yn y sector cymdeithasol ac wedi clustnodi'r lefelau uchaf erioed o gyllid, gan gynnwys mwy na dyblu cyllid Abertawe ers 2020-21. Disgwylir y cyhoeddiad ystadegol cyntaf yn dangos cynnydd tuag at y targed hwn ddechrau'r flwyddyn nesaf.
English: I thank the First Minister for that response, but there is still a shortage of houses for rent and there's a serious problem with homelessness, including people who are inadequately housed. The only time that we have had, since the second world war, housing that reached the scale that we needed was between 1945 and 1979, when we had large-scale council house building across Wales. This was based upon councils borrowing over 60 years to build houses. This did not cost the Treasury any money, but was based upon the councils' ability to borrow and be able to pay back from the rents they received. How do we return to this method of funding council housing so that we can deal with the serious problem we have with inadequate housing and a shortage of housing?
Welsh: Diolch i'r Prif Weinidog am yr ateb yna, ond ceir prinder tai i'w rhentu o hyd a cheir problem ddifrifol gyda digartrefedd, gan gynnwys pobl sydd mewn llety anaddas. Yr unig dro i ni gael, ers yr ail ryfel byd, tai a gyrhaeddodd y raddfa yr oedd ei hangen arnom ni oedd rhwng 1945 a 1979, pan gawsom ni ymgyrch adeiladu tai cyngor ar raddfa fawr ledled Cymru. Roedd hyn yn seiliedig ar gynghorau yn benthyg dros 60 mlynedd i adeiladu tai. Ni chostiodd hyn unrhyw arian i'r Trysorlys, ond roedd yn seiliedig ar allu'r cynghorau i fenthyg a gallu talu'n ôl o'r rhenti yr oedden nhw'n eu derbyn. Sut allwn ni ddychwelyd i'r dull hwn o ariannu tai cyngor fel y gallwn ni ymdrin â'r broblem ddifrifol sydd gennym ni gyda thai anaddas a phrinder tai?
English: Llywydd, as I explained on the floor of the Senedd last week, responsibility for financial services, including banking, is not devolved to the Senedd. While the Welsh Government cannot, therefore, ensure banking availability, we are working with those who are able to do so. This includes provision of innovative services, such as shared banking hubs and our own plans for a community bank.
Welsh: Llywydd, fel yr eglurais i ar lawr y Senedd yr wythnos diwethaf, nid yw'r cyfrifoldeb dros wasanaethau ariannol, gan gynnwys bancio, wedi'i ddatganoli i'r Senedd. Er na all Llywodraeth Cymru, felly, sicrhau bod banciau ar gael, rydym ni'n gweithio gyda'r rhai sy'n gallu gwneud hynny. Mae hyn yn cynnwys darparu gwasanaethau arloesol, fel hybiau bancio ar y cyd a'n cynlluniau ein hunain ar gyfer banc cymunedol.