Thank you, Minister. I am delighted that this question is being grouped with Jack Sargeant's as well, given that Jack has been such a strong supporter of a community bank. A recent report in the Flintshire and Wrexham Leader highlighted the alarming loss of bank branches in north Wales. Data published by the paper show that Clwyd South is the worst affected constituency in north Wales. Minister, are you able to outline how my constituents will benefit from the creation of a community bank following the loss of all but one bank in Clwyd South?