Explanation:

- Bank Rate: The interest rate at which a nation's central bank lends money to domestic banks. It influences the rates those banks charge their customers. It's relevant to banking organizations.

- Fiscal Deficit: Refers to the shortfall in a government's income compared to its spending. This concept relates more to government finance than banking organizations.

- Credit Creation: Refers to the ability of banks to generate more loans, thus increasing the supply of money in the economy. It is directly linked to banking functions.

- Cash Reserve Ratio (CRR): The percentage of a bank's total deposits that must be kept as reserves with the central bank. It directly affects banking operations and liquidity.

- Correct Answer: Option 2 - Fiscal Deficit