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Cyfarfu’r Cynulliad am 13:30 gyda’r Llywydd (y Fonesig Rosemary Butler) yn y Gadair.
The Assembly met at 13:30 with the Presiding Officer (Dame Rosemary Butler) in the Chair.
 
13:30
Y Llywydd / The Presiding OfficerBywgraffiadBiography
Good afternoon. The National Assembly for Wales is now in session.
Prynhawn da. Dyma ddechrau trafodion Cynulliad Cenedlaethol Cymru.
 
13:30
1. Cwestiynau i’r Prif Weinidog
1. Questions to the First Minister
Y Llywydd / The Presiding OfficerBywgraffiadBiography
The first item today is questions to the First Minister, and question 1 is from Kirsty Williams.
Cwestiynau i'r Prif Weinidog yw'r eitem gyntaf heddiw, a daw cwestiwn 1 gan Kirsty Williams.
 
Bancio yng Nghymru
Banking in Wales
 
13:30
Kirsty WilliamsBywgraffiadBiography
1. Pa drafodaethau y mae’r Prif Weinidog wedi’u cael gyda Llywodraeth y DU ynghylch bancio yng Nghymru? OAQ(4)2446(FM)
1. What discussions has the First Minister had with the UK Government regarding banking in Wales? OAQ(4)2446(FM)
 
13:30
Carwyn JonesBywgraffiadBiographyY Prif Weinidog / The First Minister
We have regular discussions with the UK Government on a range of issues, including banking and financial matters. Our focus, as a Government, has been to improve access to finance for business despite continuing concerns about the provision of business finance at a UK level.
Rydym ni’n cynnal trafodaethau rheolaidd gyda Llywodraeth y DU ar amrywiaeth o faterion, gan gynnwys bancio a materion ariannol.  Ein pwyslais, fel Llywodraeth, fu gwella mynediad at gyllid ar gyfer busnes er gwaethaf pryderon parhaus ynghylch y ddarpariaeth o gyllid busnes ar lefel y DU.
 
13:30
Kirsty WilliamsBywgraffiadBiographyArweinydd Democratiaid Rhyddfrydol Cymru / The Leader of the Welsh Liberal Democrats
First Minister, many businesses in Llanwrtyd Wells and Crickhowell in my constituency are very alarmed at the prospects of closures of branches of banks in their towns. Barclays is intending on closing the last bank in Llanwrtyd Wells, and NatWest is to close its branch in Crickhowell, having an impact both on small local traders as well as those individuals perhaps who can’t travel to branches further away. I have written to both the Secretary of State at the Department for Business, Innovation and Skills, and Minister of State at the Treasury, yet have had no response. Could you impress upon them that they should be doing all they can to ensure banks follow the code that was designed under the last Westminster Government to try and protect communities from such closures, and that it is really important that banks, especially those that were bailed out by the public, should see that they have a continuing role to support local communities?
Brif Weinidog, mae llawer o fusnesau yn Llanwrtyd a Chrucywel yn fy etholaeth i yn bryderus dros ben am y rhagolygon o gau canghennau banciau yn eu trefi. Mae Barclays yn bwriadu cau'r banc olaf yn Llanwrtyd, ac mae NatWest am gau ei gangen yng Nghrucywel, gan effeithio ar fasnachwyr bach lleol yn ogystal â’r unigolion hynny efallai nad ydynt yn gallu teithio i ganghennau ymhellach i ffwrdd. Rwyf wedi ysgrifennu at yr Ysgrifennydd Gwladol yn yr Adran Busnes, Arloesedd a Sgiliau, a'r Gweinidog Gwladol yn y Trysorlys, ond nid wyf wedi cael unrhyw ymateb. A allech chi bwysleisio iddyn nhw y dylen nhw fod yn gwneud popeth o fewn eu gallu i sicrhau bod banciau’n dilyn y cod a luniwyd o dan y Llywodraeth ddiwethaf yn San Steffan i geisio amddiffyn cymunedau rhag achosion o gau o'r fath, a'i bod yn bwysig iawn bod banciau, yn enwedig y rhai a gafodd eu hachub gan y cyhoedd, yn gweld y dylai fod ganddynt swyddogaeth barhaus i gefnogi cymunedau lleol?
 
13:31
Carwyn JonesBywgraffiadBiographyY Prif Weinidog / The First Minister
The Member makes a very important point, and that is that banks have received assistance from the public, through their pockets, when they were in trouble. They could look to try and repay some of that assistance that they were given. I’m aware of where the Barclays bank is in Llanwrtyd; it’s a hugely important part of the business community there. I understand that there are discussions to keep an ATM machine there, but it’s not a bank branch at the end of the day, and I know of the similar concerns that exist in Crickhowell. She has written to the UK Government, whose responsibility it is, such as it is, for ensuring that banks keep a network of branches, and I will join with her in her view, that is correct, that the code of practice should be adhered to at all times when branch closures are being considered.
Mae'r Aelod yn gwneud pwynt pwysig iawn, sef bod banciau wedi derbyn cymorth gan y cyhoedd, trwy eu pocedi, pan roedden nhw mewn trafferthion. Gallen nhw geisio ad-dalu rhywfaint o'r cymorth hwnnw a roddwyd iddynt. Rwy'n ymwybodol o le mae banc Barclays yn Llanwrtyd; mae’n rhan hynod bwysig o'r gymuned fusnes yno. Rwy’n deall bod trafodaethau i gadw peiriant ATM yno, ond nid yw hynny'n gangen banc yn y pen draw, a gwn am y pryderon tebyg sy'n bodoli yng Nghrucywel. Mae hi wedi ysgrifennu at Lywodraeth y DU, sy’n gyfrifol, fel ag y mae hi, am sicrhau bod banciau’n cadw rhwydwaith o ganghennau, a byddaf yn ymuno â hi yn ei safbwynt, sy’n gywir, y dylid cydymffurfio â’r cod ymarfer bob amser pan fydd cau canghennau dan ystyriaeth.
 
13:32
First Minister, last week, the cases of Kashif Shabir and Alun Richards were raised in a UK Government Westminster Hall debate by parliamentary colleagues. Both were victims of, at best, bad banking practices. But they’re not alone in Wales; others have suffered the same difficulties and have seen businesses destroyed by such practices. This clearly impacts upon local economies, employment and the opportunities for growth in small businesses here in Wales. Will the Welsh Government raise these cases with the UK Government, to ensure that such bad banking practices are looked into, and perhaps look at compensation for victims of these practices?
Brif Weinidog, yr wythnos diwethaf, codwyd achosion Kashif Shabir ac Alun Richards mewn dadl Neuadd San Steffan Llywodraeth y DU gan gydweithwyr seneddol. Dioddefodd y ddau, ac edrych ar bethau o’r ochr orau, arferion bancio gwael. Ond nid nhw yw’r unig rai yng Nghymru; mae eraill wedi dioddef yr un anawsterau ac wedi gweld busnesau’n cael eu dinistrio gan arferion o'r fath. Mae hyn yn amlwg yn effeithio ar economïau lleol, cyflogaeth a'r cyfleoedd ar gyfer twf ymhlith busnesau bach yma yng Nghymru. A wnaiff Llywodraeth Cymru godi'r achosion hyn gyda Llywodraeth y DU, er mwyn sicrhau yr ymchwilir i arferion bancio gwael o'r fath, ac efallai ystyried iawndal i’r rhai sy’n dioddef yn sgil yr arferion hyn?
 
13:33
Carwyn JonesBywgraffiadBiographyY Prif Weinidog / The First Minister
I wonder if the Member could write to me with further detail with regard to the individuals involved, and I will then, of course, look to press the matter with the UK Government on his behalf.
Tybed a allai'r Aelod ysgrifennu ataf gyda rhagor o fanylion o ran yr unigolion dan sylw, ac yna, wrth gwrs, byddaf yn ceisio pwyso’r mater gyda Llywodraeth y DU ar ei ran.
 
13:33
First Minister, you’ll be aware that Professor Dylan Jones-Evans has recommended the establishment of a development bank following his assertion that Finance Wales is not fit for purpose. I’m sure you’ll be aware of Welsh Conservative proposals for Invest Wales. Do you agree with me, First Minister, that whatever form business support finally takes in Wales, we must put the failings of Finance Wales firmly behind us and ensure that future support for businesses is firmly anchored locally and that businesses know that support exists and that they can access it easily?
Brif Weinidog, byddwch yn ymwybodol bod yr Athro Dylan Jones-Evans wedi argymell sefydlu banc datblygu yn dilyn ei honiad nad yw Cyllid Cymru yn addas i'w ddiben. Rwy'n siŵr y byddwch yn ymwybodol o gynigion Ceidwadwyr Cymru ar gyfer Buddsoddi Cymru. A ydych chi’n cytuno â mi, Brif Weinidog, pa bynnag ffurf y bydd cymorth busnes yn ei gymryd yn y pen draw yng Nghymru, bod yn rhaid i ni roi methiannau Cyllid Cymru y tu ôl i ni unwaith ac am byth a sicrhau bod cefnogaeth i fusnesau yn y dyfodol wedi'i angori’n gadarn yn lleol a bod busnesau’n gwybod bod cymorth yn bodoli ac y gallant gael gafael arno’n rhwydd?
 
13:33
Carwyn JonesBywgraffiadBiographyY Prif Weinidog / The First Minister
I have no idea what the Member means by that. I don’t agree with what he says about Finance Wales, although he’s right to say that the issue of a development bank is being considered, and the Minister will make further announcements on the progress with that admittedly complex area of work shortly.
Nid oes gennyf unrhyw syniad beth mae'r Aelod yn ei olygu wrth hynny. Nid wyf yn cytuno â'r hyn y mae’n ei ddweud am Cyllid Cymru, er ei fod yn iawn i ddweud bod y mater o fanc datblygu yn cael ei ystyried, a bydd y Gweinidog yn gwneud cyhoeddiadau pellach ar y cynnydd yn y maes gwaith hwnnw, yr wyf yn cyfaddef sy’n gymhleth, yn fuan.
 
13:34
Alun Ffred JonesBywgraffiadBiography
A mynd yn ôl at y cwestiwn gwreiddiol—ac rwy’n gefnogol iawn i’r hyn a ddywedodd Kirsty Williams—yn anffodus, ein profiad ni yn Arfon oedd bod banciau yn cael eu cau yn ystod tymor y Llywodraeth diwethaf ac nid oes ganddynt ddiddordeb bellach mewn cymdogaethau na threfi, gan fod banciau’r stryd fawr, i bob pwrpas, wedi diflannu o strydoedd ein pentrefi a’n trefi bach ni ar hyd a lled Cymru. Ond, mae hynny’n golygu bod mwy o bwysau arnom ni i gynyddu’r sector undebau credyd. Mae’r Llywodraeth yma yng Nghymru wedi bod yn ariannu ymgyrch i hyrwyddo’r undebau credyd yma, ond, bellach, mae’r gefnogaeth honno wedi dod i ben. A wnewch chi ein sicrhau ni y bydd y Llywodraeth yn ailafael mewn ymgyrch farchnata er lles cymunedau a theuluoedd ar hyd a lled Cymru, yn enwedig yn yr ardaloedd gwledig a’r rhai mwyaf difreintiedig?
To return to the original question—and I’m very supportive of what Kirsty Williams had to say—unfortunately, our experience in Arfon was that bank branches were closed during the period of the last Government and have no interest now in those communities or those towns because the high-street banks, to all intents and purposes, have disappeared from our villages and towns across Wales. But, that means that there is greater pressure on us to actually enhance the credit union sector. The Government here in Wales has been funding a campaign to promote credit unions, but the support has now come to an end. Can you give us an assurance that the Government will recommence a marketing campaign for the benefit of communities and families across Wales, particularly in our rural and more disadvantaged areas?
 
13:35
Carwyn JonesBywgraffiadBiographyY Prif Weinidog / The First Minister
Mae yna rôl bwysig i undebau credyd, wrth gwrs, yn yr ardaloedd dros Gymru lle maen nhw wedi colli banciau dros y blynyddoedd. Rydym wedi ymrwymo £1.9 miliwn i gefnogi undebau credyd. Mae hwnna wedi adeiladu ar y gwaith da sydd wedi cael ei wneud yn y gorffennol, ac, wrth gwrs, mae’n sicrhau bod undebau credyd yn gallu cefnogi y bobl sydd ddim yn gallu cael mynediad i arian, neu fenthyciadau, dros Gymru. Ac rydym ni’n moyn sicrhau ein bod yn gweithio gyda nhw yn y pen draw, er mwyn sicrhau bod y gwasanaethau sydd gyda nhw, lan i nawr, yn cael eu hehangu dros y blynyddoedd.
Credit unions do have a very important role throughout the whole of Wales and in those areas where they’ve lost banks over the years. We have committed £1.9 million to support credit unions. That builds on the good work done in the past and, of course, it ensures that credit unions are able to support those people who can’t access funds or loans throughout the whole of the country. We want to ensure that we can collaborate with them in the long term in order to ensure that their current services can be expanded over the coming years.
 
Lles Cyffredinol Plant yng Nghymru
The Wellbeing of Children in Wales
 
13:35
Jocelyn DaviesBywgraffiadBiography
2. Pa gamau y mae Llywodraeth Cymru yn eu cymryd i wella lles cyffredinol plant yng Nghymru? OAQ(4)2454(FM)
2. What action is the Welsh Government taking to improve the overall wellbeing of children in Wales? OAQ(4)2454(FM)
 
13:36
Carwyn JonesBywgraffiadBiographyY Prif Weinidog / The First Minister
We are continuing to focus investment on supporting children and families with a range of programmes and initiatives across Government departments. Our aim, of course, is for every child in Wales to have the best possible start in life, and a healthy and bright future.
Rydym ni’n parhau i ganolbwyntio buddsoddiad ar gefnogi plant a theuluoedd gydag amrywiaeth o ra