Explanation:

- Option 1: Bank rate

- A tool used by central banks to control the money supply.

- It is concerned with the banking sector.

- Option 2: Fiscal deficit

- It refers to the difference between the government's total revenue and total expenditure.

- Primarily related to government finance, not directly banking.

Fiscal Deficit is not directly concerned with banking organization.

- Option 3: Credit creation

- A process by which banks generate additional credit in the economy.

- Very much a banking function.

- Option 4: Cash reserve ratio (CRR)

- It is the percentage of a bank's deposits that must be held in reserve.

- Directly related to banking operations.