Explanation:

- Cash Reserve Ratio (CRR): A percentage of a bank's total deposits that must be kept in reserve with the central bank, affecting how much money can be loaned out.

- Statutory Liquidity Ratio (SLR): The minimum percentage of deposits that a bank must maintain in the form of gold, cash, or government-approved securities, impacting lending ability.

- Initial Deposits: The starting point for credit creation; banks use these funds to create loans, generating more deposits.

Option:4- All the above

All factors (CRR, SLR, Initial Deposits) influence credit creation by commercial banks.

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