Explanation:

Let’s break it down:

- Option 1: Credit creation ( Correct Answer)

This is a core job of commercial banks. They accept deposits and lend money—basically, they create credit for the economy.

- Option 2: Credit control

That’s actually the job of a central bank, like RBI, not commercial banks. Central banks manage the flow and cost of credit in the country.

- Option 3: Banker to the government

This one, again, belongs to the central bank. Commercial banks don’t directly handle government transactions; central banks do.

- Option 4: None of these

Since Option 1 is correct, this can’t be the answer.

So, the real answer is Option 1: Credit creation. That’s what makes commercial banks tick—they move money around and help the economy grow.