As HSBC told me when I met them last year to discuss the closures in Flintshire, as NatWest replied to me as I opposed and wrote to them regarding their closure in Holywell, and as the Yorkshire Building Society is now saying, the reason for this is the switch from bank-based service usage to digital usage. Of course, that—as has been now said about HSBC in Holywell, Holyhead and Llanrwst—leaves older people, those without transport, those without internet access, shopkeepers, and small businesses losing out.

In that context, what dialogue and what submission did your Government make to Professor Griggs’s independent review into how banks have implemented the banking protocol to minimise the impact of bank closures, and any dialogue with the Post Office regarding their newly announced partnership to secure access to local banking services?