Explanation:

- Option 1: because

- Used to give a reason for something.

- Incorrect because the sentence suggests a contrast, not a reason.

- Option 2: since

- Used to indicate time or reasoning.

- Could fit if the focus was on a causal relationship.

- Option 3: although

- Used to present a contrast or contradiction.

- Shows banks are not lowering rates despite repo rates decreasing.

- Correct Answer

- Option 4: from

- Used to indicate the starting point of a period.

- Irrelevant in this context.

- Option 5: Explanation not needed

- Not provided as an option in the sentence.

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