Financial services are not a devolved matter. However we have an ambition to help improve access to local services, which is why we’re engaged with the Monmouthshire Building Society on a programme to try to regenerate community banking in a range of communities in Wales.

I recognise that, within the over 100 closures across the UK, 12 of those HSBC closures will be in Wales. It’s part of the trend we’ve seen a part of the changing way consumers choose to bank, and what that means is there’s a divide in the way that different people access banking. So, it’s partly a rural issue, and it’s also issue in urban communities as well about having access to cash. Now, my understanding is that, whilst in Denbigh’s case, HSBC had created an impact analysis report, we’ve yet to see the stakeholder engagement report published and made available online to understand the direct cost. Now, we will carry on working with other partners in areas that we are not directly responsible for, but we're doing this because we recognise there should be real benefit for access to affordable financial services in communities that may not otherwise see them. So, we'll carry on working with our partners in Monmouthshire Building Society, we'll carry on in our conversations with the UK Government, and we look forward to seeing whether banking hubs really will provide the scale and the pace of roll-out to try to match the pace and the scale of branch closures. I'm not optimistic that we'll see a match between those two, but we'll carry on being engaged as constructively as we can and should be.