Thank you, Minister. The community bank of Wales is a really important idea, putting its members and communities first instead of shareholders and profit margins. Along with many of my constituents, I look forward to plans being rolled out, but I note your comments around the challenges in putting the new model in place.

You talked about traditional banks accelerating their retreat from the high street, and I'm sad to note that Barclays bank has been the latest to withdraw from the high street in Aberdare. One idea that constituents asked me to raise with Barclays is the idea of a banking hub where a number of banks can come together in one high-street building to offer their services to the community. Minister, I'd welcome your views on banking hubs, on whether they could be part of the solution to the withdrawal of banking services from the high street. I met with Barclays bosses yesterday and put this idea to them. They told me they're already working with other banks to progress this concept, with the first banking hub set to open in England soon. So, with that in mind, will you commit to working with the sector to try and secure banking hubs in Wales?