Explanation:

- Commercial banks primarily provide short-term loans to businesses and individuals to meet working capital needs.

- They also create credit by accepting deposits and lending out a portion, which increases the money supply in the economy.

- While their main focus is on short-term lending, commercial banks may also give long-term loans, though usually not as extensively as development banks.

- So, commercial banks are involved in all these activities.

Correct answer:

Option:4, All of these