Explanation:

- Organisational: This term generally refers to the structure and management within an entity or organization. It doesn't specifically apply to rural banking.

- Non–Institutional: This refers to credit systems outside formal financial institutions, like moneylenders or informal sources. It doesn't completely fit the rural banking structure called a "multi-agency system."

- Institutional: This option refers to formal entities like banks, cooperatives, and financial institutions. The multi-agency system in rural banking indeed involves various formal institutions working together.

- None of these: This option suggests that none of the given categories fit, which is not the case here.