English: It is true to say that the report looked at a range of different models, but the weight of its consideration was quite clearly on how a public bank for Wales might be used to plug gaps in the wider economy, rather than looking at examples of how alternatives to high-street banking for customers coming in off the street might be developed. It does make a reference to the Hampshire model, although the last time that I asked for some information on the practical implementation of the Hampshire model, it wasn't looking as though it had made the progress that was hoped for by its originators. The Public Policy Institute for Wales report says that the introduction of any model would be 'very challenging and complex' here in Wales. So, I think that the answer to the developments that the Member rightly points to may not be in the public bank debate that is very healthily going on in Wales, but in other things that we might be able to do: making sure that the Post Office is well placed to take on a wider range of banking activities, using the support that the Welsh Government provides to the post office network in Wales, making sure that credit union membership is available right across Wales, using the nearly £0.5 million of additional investment that we're providing for credit unions this year - I've this week discussed with some credit union interests whether financial transaction capital might be useful to them in facing some of the challenges that they have to get over - and, by that community-level activity, to do what we can to make sure that the services on the high street that people have used hitherto in banking, but are, we have to recognise, using less and less - that we still have high-street access for people who need it.
Welsh: Mae'n wir i ddweud bod yr adroddiad wedi edrych ar amrywiaeth o wahanol fodelau, ond roedd hi'n eithaf amlwg mai ei ystyriaeth bennaf oedd sut y gellid defnyddio banc cyhoeddus Cymru i lenwi bylchau yn yr economi ehangach, yn hytrach nag edrych ar enghreifftiau o sut y gellid datblygu dewisiadau eraill yn lle bancio stryd fawr ar gyfer cwsmeriaid sy'n dod i mewn o'r stryd. Mae'n cyfeirio at fodel Hampshire, er nad oedd yn edrych fel pe bai model Hampshire wedi gwneud y cynnydd y gobeithiai ei gychwynwyr y byddai'n ei wneud y tro diwethaf i mi ofyn am wybodaeth am ei weithrediad ymarferol. Dywed adroddiad y Sefydliad Polisi Cyhoeddus i Gymru y byddai cyflwyno unrhyw fodel yn 'heriol a chymhleth iawn' yma yng Nghymru. Felly, credaf nad yn y ddadl ar y banc cyhoeddus sy'n mynd rhagddi'n frwd yng Nghymru y gwelir yr ateb i'r datblygiadau y mae'r Aelod wedi tynnu sylw atynt yn gywir, ond yn hytrach mewn pethau eraill y gallem eu gwneud: sicrhau bod Swyddfa'r Post mewn sefyllfa dda i fabwysiadu ystod ehangach o weithgareddau bancio, gan ddefnyddio'r cymorth y mae Llywodraeth Cymru yn ei ddarparu i'r rhwydwaith o swyddfeydd post yng Nghymru, sicrhau bod aelodaeth o undeb credyd ar gael ledled Cymru, a defnyddio'r bron i £0.5 miliwn o fuddsoddiad ychwanegol rydym yn ei ddarparu ar gyfer undebau credyd eleni - yr wythnos hon bûm yn trafod gyda rhai sy'n ymwneud ag undebau credyd pa un a fyddai cyfalaf trafodiadau ariannol o ddefnydd iddynt ar gyfer wynebu rhai o'r heriau y mae'n rhaid iddynt eu goresgyn - a thrwy'r gweithgaredd hwnnw ar lefel y gymuned, i wneud yr hyn a allwn i sicrhau bod y gwasanaethau stryd fawr y mae pobl wedi bod yn eu defnyddio hyd yn hyn ym maes bancio, ond sydd, rhaid i ni gydnabod, yn cael eu defnyddio lai a llai ganddynt - fod gennym fynediad ar y stryd fawr o hyd ar gyfer y bobl sydd ei angen.