Politics
Development Bank ‘not a guaranteed solution’
A NEW report by a think tank has assessed the potential of a public development bank for Wales to boost lending to firms and promote economic development locally.
The report by the Public Policy Institute for Wales describes evidence that ‘bank branch closures are having a negative impact on individuals and businesses in Wales, but more specific research is need to ascertain what impact bank branch closures is having on individuals and communities. Finding out the extent to which vulnerable areas are affected by bank branch closures can also help identify which specific services can be provided in the future.’
The report states: “However, even the most extensive public banking model, opening community banks would not be able to replace the branches that have been closed in Wales in recent years.”
On ways to protect banking services it comments: “A public development bank is potentially useful option, but not a guaranteed solution.”
Plaid Cymru Mid and West AM Simon Thomas said: “We need action from Governments in Westminster and Wales on bank branch closures.
“It is unacceptable that the bank network is being stripped from rural Wales. We cannot have a gap in the banking services available to rural and urban Wales.
“Plaid Cymru’s Westminster leader Liz Saville Roberts has called for a change in the law to protect the last bank in town. We are now seeing often in our communities from Llandysul to Llanidloes towns left without a bank.
“While bank branches are expensive to maintain and are used by fewer people in the past they are still an important resource. The report highlights research by the Federation of Small Businesses that bank branch closures affect small businesses in rural communities, as they are more likely to require cash purchases than in urban areas.
“High street banks have a duty to consult effectively with the local community over closures. While banks are private companies making commercial decisions, in effect access to banking is essential for modern life and participating in democracy.”
“The Labour Government in Cardiff Bay should be looking at how other financial institutions like Finance Wales and credit unions have a role to play. Other ways to protect banking services for small businesses and individual customers like developing the services provided by the Post Office will be hampered by the closure programme of successive Westminster governments of different political colours.”
The report identifies problems with lending to small and medium sized businesses, automation has made banks more geographically and operationally distant from small businesses.
Bank closures contribute to this problem according to the Federation of Small Businesses.
Mike Cherry, FSB National Chairman, said: “The rapid pace of bank branch closures across the UK presents some very real and tough challenges for small businesses. FSB members highly value the face-to-face interaction they receive in-branch, particularly when making complex financial transactions, with staff who often have a greater understanding of their business and the local economy. In addition, many of our members deal heavily in cash and cheques and need access to over-the-counter banking facilities on a regular basis.
“Small businesses are keen to embrace the opportunities of the digital economy. However, barriers towards digital inclusion, such as unreliable broadband connectivity, and a lack of confidence in using digital services creates serious challenges. These are some of the reasons which explain why the protection of in-branch banking is so important for financial inclusion.”
Large banks were three times more likely to shut a branch in Wales than in London and the south east of England, and five of the top ten areas affected by the 600 branch closures in Britain in 2015-2016 were in Wales – Powys, Denbighshire, Gwynedd, Conwy, and Carmarthenshire.
The FUW is particularly concerned as internet banking is not always an option in rural areas; many people will not have an appropriate internet connection- if they have a connection at all, and especially the elderly may not be familiar with IT and the process of doing their banking online.
Speaking earlier this summer, FUW President Glyn Roberts said: “The closure of rural banks has a detrimental effect on rural areas, as they serve not only villages and small towns but many of the neighbourhoods in surrounding areas, as well as providing employment to local people.
“Closures are a great loss to residents and local businesses, particularly the elderly or residents who are unable to travel to the nearest town. The closures will of course also affect small businesses, as they will have to travel further afield for their banking needs.
“In addition, internet banking is not always an option in rural areas; many people will not have an appropriate internet connection if they have a connection at all, and especially the elderly may not be familiar with IT and the process of doing their banking online.
“For many telephone banking is impractical, as they prefer to deal with their personal finances on a one-to-one basis and mobile banking is limited in many rural areas. It is worth considering as well that some people may not be able to get to mobile banks during the short time they are present in villages.
“With more and more rural services and businesses being closed down, we must also acknowledge that it is becoming less and less attractive for young families and indeed business owners to remain in the countryside.
“If the problem of rural depopulation is not addressed with some urgency it could have severe consequences for our rural communities and with that also our rural economy.
“It is clear that if we want to ensure that Wales develops its full potential in being a rural economic powerhouse, we must make it attractive for working families to stay and also encourage vital services like business banking to remain available in our countryside.
“The provision of acceptable broadband services is an increasingly critical part of meeting the needs of rural Wales.”
A report from the British Infrastructure Group found nearly a quarter of Welsh constituencies appear in the worst 20 constituencies in the whole of the UK for broadband speed.
Education
Pembrokeshire respiratory project praised at the Senedd
AN INNOVATIVE Pembrokeshire scheme improving asthma care for primary school children has been recognised at an event held at the Senedd on Monday (Jan 27).
The Pembrokeshire Schools Respiratory Project, which has been running since 2023 across North and South Pembrokeshire school clusters, delivers in-school respiratory reviews and education sessions for pupils, parents and teaching staff. It is believed to be the first programme of its kind in Wales.
Samuel Kurtz met with project lead, Narberth-based pharmacist Dave Edwards, along with representatives from Asthma + Lung UK to mark the project’s success.
Mr Edwards said respiratory conditions place a significant burden on children and their families, as well as on the wider healthcare system.
“Our aim is to confirm diagnoses, educate pupils and parents about their condition, emphasise adherence and inhaler technique, and ensure every child has a personalised treatment plan that gives them good control,” he said. “This project demonstrates how local health initiatives can make a real difference.”
As part of the scheme, Year 5 and Year 6 pupils received sessions on the dangers of smoking and vaping, highlighting the impact of these habits on respiratory health. Parents and school staff were offered training aligned with the National Review of Asthma Deaths recommendations and delivered through the ‘Asthma Fit’ programme.
The sessions covered common childhood respiratory illnesses, recognising asthma symptoms, correct inhaler technique, the features of good asthma control, and the importance of having clear action plans for worsening symptoms.
Schools participating in the ‘Asthma Fit’ programme have introduced strengthened asthma policies, including appointing a designated asthma lead, maintaining an up-to-date inhaler register, implementing individual asthma action plans, and ensuring staff are trained to respond quickly and appropriately to attacks.
The project also aligns with national guidance, including the RCP’s National Review of Asthma Deaths report, NHS England’s National Bundle of Care for Children and Young People with Asthma, and the All Wales Paediatric Asthma Guidelines.
To date, 583 children have been reviewed, with more than 65% showing improved asthma control scores. Treatment has been optimised for 65% of pupils, contributing to fewer hospital and out-of-hours visits. The project has also delivered environmental benefits, with carbon savings estimated to be equivalent to more than 70,000 car miles.
In the Autumn Term 2025 alone, 75 pupils received reviews, personalised action plans and inhaler education.
Mr Kurtz said: “I am delighted to celebrate the success of this Pembrokeshire project in the Senedd. It has helped children, parents and schools manage asthma better, easing the burden on GPs and emergency care. Behind every statistic is a real child seeing real improvement.
“I am extremely proud that a Pembrokeshire-based project is leading the way in asthma management and acting as a flagship for other areas across the UK. I am also pleased to hear that plans are already in place to expand the initiative to more schools over the next two years — it thoroughly deserves continued support.”
News
Darren Millar rules out post-election pact with Reform or Plaid
Welsh Tory leader says “only deal is with the people of Wales” ahead of May Senedd vote
THE LEADER of the Welsh Conservatives has moved to shut down speculation about post-election alliances, insisting he will not enter into any agreement with either Reform UK or Plaid Cymru following May’s Senedd election.

Speaking ahead of his party’s spring conference in Llandudno on Friday (Feb 13), Darren Millar is expected to tell members that the only mandate he is seeking is directly from voters.
He will say that if people choose the Welsh Conservatives at the ballot box, they will get a Conservative administration — not a coalition stitched together after the votes are counted.
His stance mirrors comments previously made by UK Conservative leader Kemi Badenoch, who has argued that parties discussing deals before polling day are not focused on delivering for the public.
Reform dismissed as “not ready for power”
With opinion polls suggesting Reform could perform strongly in May, Mr Millar is set to acknowledge that some voters may feel drawn to the party, but he will question whether it is prepared to shoulder the responsibility of governing.
He is expected to argue that Reform has no credible pathway to running the Welsh Government, pointing to past controversies within its Welsh leadership and questioning the substance of its policy platform.
Reform’s UK leader, Nigel Farage, has previously suggested the party’s immediate aim is to become a significant opposition force rather than take office — a position the Welsh Conservatives say underlines its lack of readiness for government.

Plaid branded “focused on separation”
Turning to Plaid Cymru, Mr Millar will accuse the party of propping up Labour in the Senedd while attempting to present itself as an alternative.
He is expected to claim that Plaid’s long-term goal of Welsh independence overshadows its domestic agenda, arguing that constitutional change — rather than bread-and-butter issues — remains its central objective.
According to Mr Millar, a Plaid-led government would prioritise breaking away from the United Kingdom, a move he says would create economic uncertainty and put pensions, cross-border employment and public finances at risk.
Labour record under fire
The Welsh Conservative leader will also target Welsh Labour, which has governed Wales since devolution.
He is set to argue that after nearly three decades in power, Labour’s record on the NHS, schools and the economy has left Wales lagging behind other parts of the UK.
Among the issues likely to be raised are long NHS waiting lists, concerns about educational standards and rising unemployment figures.
Mr Millar will also reference recent remarks by First Minister Eluned Morgan about supporting the hospitality sector — comments that drew headlines — suggesting that economic challenges facing Welsh businesses run far deeper than consumer habits.
Election battle lines drawn
With polling indicating that the contest in May could be highly competitive, the Welsh Conservatives are positioning themselves as the only alternative to what they describe as “27 years of Labour failure”, while rejecting both nationalist and populist rivals.
Whether that message resonates with voters across Pembrokeshire and the wider west Wales region remains to be seen.
Health
NHS pay row erupts as ministers confirm 3.3% rise
Unions warn award amounts to real-terms cut as inflation remains above headline figure
NHS staff across Wales will receive a 3.3% consolidated pay increase from April 1, 2026, after the Welsh Government accepted recommendations from the 39th NHS Pay Review Body.
The uplift applies to all staff employed under Agenda for Change terms and conditions, including nurses, healthcare assistants, porters, cleaners and other frontline health workers.
Health and Social Care Secretary Jeremy Miles said the award followed independent economic advice and was above current inflation forecasts issued by the Bank of England and the Office for Budget Responsibility.
He said inflation was expected to fall progressively towards the two percent target by early 2027 and described the settlement as fair and responsible within the current financial climate.
Lowest-paid staff
The Welsh Government confirmed that its commitment to pay the Real Living Wage from April 2026 means the lowest-paid NHS staff will see increases ranging from 3.8% to 5.9%.
However, it was also noted that Bands 1 and 2 and the entry point of Band 3 will remain on the same pay rate from April because the previously announced living wage uplift already exceeds the Pay Review Body recommendation.
Ministers said discussions will continue alongside England and Northern Ireland on structural reforms to the Agenda for Change framework, with any agreed changes backdated to April 2026.
Union anger
The announcement prompted sharp criticism from health unions, who argue that with inflation currently at 4.2%, many staff will still see a reduction in real-terms pay.
The Royal College of Nursing described the award as “very disappointing” and said it falls short of commitments to restore nursing pay to 2008 levels.
RCN Wales Executive Director Helen Whyley said: “At a time when the cost of living remains high another real term pay cut is being imposed again on a workforce already stretched to its limits.”
She also criticised the continued use of the Pay Review Body process after unions had raised expectations of direct negotiations.
Meanwhile, UNISON Cymru said health workers are likely to be angry at what it called “another below inflation pay award”.
UNISON Cymru health committee chair Dawn Ward said some NHS staff were struggling with rising household bills and felt undervalued.
The union has called for Wales to move towards a Scottish-style model of direct pay negotiations between government, employers and unions.
Political pressure
The pay announcement is likely to intensify debate about NHS funding, recruitment and retention across Wales.
While ministers argue the settlement reflects economic forecasts and financial constraints, unions maintain that headline percentages do not reflect the pressures facing frontline staff.
With morale described as fragile and vacancies continuing across Welsh health boards, the dispute is expected to remain politically sensitive in the months ahead.
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