A
1 only
B
2 only
C
Both 1 and 2
D
Neither 1 nor 2
Correct answer: (a) 1 only
Explanation
Statement 1 is correct because commercial bank lending creates equivalent deposits in the banking system, establishing a dual relationship between liquidity and credit. Statement 2 is incorrect because an RBI report explicitly stated that an elevated Credit-Deposit ratio does not automatically indicate systemic funding vulnerability.
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