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.
Community
Proposed Saundersfoot traveller site decision delayed

PLANNERS are to visit a proposed new ‘traveller site’ on the outskirts of a Pembrokeshire village, which has seen a petition of nearly 300 objections, before making any formal decision.
Nearly 300 people have signed a petition against the creation of one traveller site incorporating one static caravan, one touring caravan, day/utility room and ecological enhancements (partly retrospective) on land at Froghall Yard, Moreton Lane, Saundersfoot.
The objection to the site is also being shared by the village’s community council.
Around 50 people attended a recent meeting of the community council when members voted unanimously to object to the application.
The application is made by Dai Evans of Pontypool, through agents Hayston Developments & Planning Ltd.
Saundersfoot Community Council is recommending that the plans are turned down.
Members have pointed out that the site is agricultural land, with no caravan or other use in over 30 years.
There was also concern that the site – where two previous planning applications had been rejected – is overlooked from Incline Way above and cannot be screened,
Members have said granting permission “would be gross overdevelopment setting a precedent for development literally anywhere throughout the national park”.
The community council’s objection finished: “The applicant lives in Pontypool and claims no connection to the area. There is no rationale as to why the applicant chose a site approximately 100 miles away from their home.”
A supporting statement accompanying the application states: “The applicant belongs to a long-standing Romany Gypsy family and generations have lived a traditional and cultural lifestyle living in caravans all their lives.
“Mr Evans and his partner currently reside on an overcrowded Traveller site in Pontypool where living conditions are poor. They currently only live in rented accommodation and its brick and mortar and not in keeping with their cultural preference, as they prefer to live in a caravan.”
It says Mr Evans and family have stayed in a touring caravan at the site during the summer months since the late 1980s when it was owned by another gypsy family, later purchased by Mr Evans in 2023, clearing and refurbishing the site.
“The application’s aspirations are to continue his Gypsy culture and traditions residing in a caravan on site.”
At the April 9 meeting of Pembrokeshire Coast National Park’s development management committee, members backed a recommendation to agree to a site visit ahead of any formal decision on the scheme, on the grounds of public interest.
The application will now be heard at a future national park meeting.
Politics
New Saundersfoot development cannot be used as holiday home

A CALL to allow a Pembrokeshire seaside village hair salon to be changed to an apartment has been approved, but will not be allowed to be used as a holiday let or second home.
In an application recommended for approval at Pembrokeshire Coast National Park’s development management committee meeting of April 9, Mrs Allsop sought permission for a change of use of a salon to an apartment dwelling at The Old Brewery, Ocean Hair, Brewery Terrace, Saundersfoot.
An officer report for members said: “As the property is located within Saundersfoot’s Retail Centre, the proposal is deemed to be a departure from the Local Development Plan as the C3 residential use is not included within the use classes that would be deemed acceptable within this shopping centre.
“However, given that the property is accessed via an alleyway between two buildings and does not form part of a retail frontage and given the focus from Future Wales on town centres as multi-functional places and which are appropriate locations for new homes, the change of use from Class A1 to Class C3 is considered to be acceptable.
“The property is also located within Saundersfoot’s Conservation Area. It is not considered that the proposal would harm the character or appearance of this Conservation Area. No adverse comments have been received from consultees.”
It was recommended the application be delegated to the Chief Executive, Director of Place and Engagement or to the Development Management Manager to issue consent subject to the receipt of a Unilateral Undertaking Agreement addressing the provision of a commuted sum towards off-site affordable housing.
One of the conditions was the ‘C3’ housing designation.
In October 2022 Welsh Government made changes to the planning legislation and policy to introduce three new use classes, C3 for dwelling houses, C5 for dwelling houses used as second homes, and C6 for the short-term lets.
“These developments are particularly relevant to the Pembrokeshire Coast National Park Authority as a Local Planning Authority,” the report said, adding: “The Authority agreed to introduce consideration of this issue on a case-by-case basis to assess whether, under certain circumstances, to apply a C3 occupancy condition on dwellings.”
Members agreed to back the officer recommendation of delegated conditional approval.
Business
Tenby town centre spa hotel could be completed in 18 months

APPROVED plans to change part of Tenby’s former town hall and market hall, and the nearby former TP Hughes department store to a spa hotel, restaurant and café could be completed in just 18 months despite concerns from local traders.
In an application recommended for conditional approval at the April 9 meeting of Pembrokeshire Coast National Park’s development management committee, Wil Crockford of Bassett Crockford Holdings Ltd sought permission for a change of use the former TP Hughes/ M&Co store and a part change of use of the council-owned market hall and former town hall to a spa hotel, restaurant and cafe/bar, with associated extensions and alterations at 12 High Street and Old Town Hall and Market Hall, Tenby.
The development for a new hotel extends across two buildings; the 20 hotel rooms will be located within the remaining upper floors of the existing M & Co buildings, and two new roof extensions in a mansard form to accommodate further hotel space.
The spa would be located at first floor level of the town hall aspect, and into the market’s first floor.
Further facilities in the form of a café will be linked to the hotel reception area at ground floor with additional toilet facilities and bicycle storage provided within the basement level. The proposed restaurant will be accommodated within the southern building.
The scheme was supported by Tenby Town Council, subject to conditions including the protection of existing market operations, and an agreed action plan for integration with potential refurbishment of the market, with Tenby Civic Society has raising concerns about the spa/fitness suite having an impact on the running of the market traders’ businesses.
Concerns have previously been raised about the impact on existing market traders during construction both in terms of noise and dust during works and a potential temporary market closure for construction work to be undertaken, with Cathy Butler speaking on their behalf at the April 9 meeting.
She said that while the market itself – believed to be the oldest in Wales – was flourishing despite the building being in need of renovation, there had been a lack of reassurance and feedback from the council, as landlords of the hall, as the proposed scheme progressed.
She stressed there was no objection to the neighbouring hotel but to the the potential impact on the market operations through the upstairs spa development.
“We’ve learned most of our news from the newspapers and we’re worried sick,” she told committee members, saying any impact on the market affected the “future of not just us but all our local suppliers as well”.
“Consider the small guy here; a spa is for the few, and the market for the many,” she added.
Agent Phil Davies told the committee there was no intention to disrupt the market, with the potential for putting that section of works on hold if there were any potential renovations to the hall through the council.
He said the whole scheme was expected to take 18 months to complete; the committee later hearing from local councillor Sam Skyrme-Blackhall that discussions were ongoing at council level with potential funding identified.
The application was given conditional delegated approval to senior park officers on completion of a S106 legal agreement to cover financial contributions.
A related listed building application was also granted delegated approval.
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