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yr unig ffordd i atal hynny fyddai drwy foratoriwm , fel sydd gennym yn y deyrnas unedig , a chynnal treialon
the only way to prevent that would be by means of a moratorium , as we have in the united kingdom , and by conducting trials
deallaf ei angen i fodloni ei hun o ran cost-effeithiolrwydd y cynigion presennol , ond yr wyf yn siomedig â'i benderfyniad i ddiwallu'r angen hwnnw drwy foratoriwm
i understand his need to satisfy himself as to the cost-effectiveness of the present proposals , but i am disappointed with his decision to effect that need by means of a moratorium
a gytunwch y byddai'n gryn anogaeth i barclays ac eraill pe baem yn negodi ar y sail ein bod yn dymuno cytuno ar foratoriwm ar gau banciau ledled cymru , sydd yn effeithio ar allgáu ariannol ymysg rhai o'r cymunedau a fwriwyd waethaf , gan gynnwys y rhai yn fy etholaeth i , merthyr tudful a rhymni ? a yw ein partneriaid mewn awdurdodau lleol yn barod i bwyso ar fanciau i siarad â ni am ein pryderon ynghylch amddiffyn rhai o'r bobl dlotaf a mwyaf agored i niwed yng nghymru ? mae bancio moesegol yn bwnc trafod ers amser maith
do you agree that it would be a considerable incentive to barclays and others if we were to negotiate on the basis that we wish to agree a moratorium on bank closures across wales , which are affecting the financial exclusion of some of the most hard hit communities , including those in my constituency , merthyr tydfil and rhymney ? will our partners in local authorities pressurise banks into talking to us about our concerns about protecting some of the poorest and most vulnerable people in wales ? ethical banking has been a topic of discussion for a long time