I’d like to thank Nick Ramsay for his question. He makes a very important point, not least because I know Members across the Chamber are grappling at the moment with high-street banks that are looking at closing branches on their high streets and town centres. But we must also reflect on the fact that more activity is being undertaken online. For that reason, I’ve tasked Finance Wales with reporting on how it will improve the digital gateway and digital services as it evolves into the development bank for Wales. I think it’s absolutely essential that the development bank for Wales is seen as a facility and an institution that will be able to support every community in the north, south, east, west, and in between, and that it is relevant to every business’s operations.

Again, it will be built within the remit letter to prove where its investments are being made and I would expect, through demonstrating where those investments are being made, that we will be able to ascertain its relevance to all parts of the country. If gaps emerge, then we would expect the development bank for Wales to then address them.