2 and 3 are correct.
In recent years, the credit growth in the banking system is lower than deposit growth.
Weak demand in the market and risk aversion in the banking system have kept the credit growth at nearly half the level of the last year. Deposits surged 12 per cent, compared to 10 per cent growth a year ago. Credit-deposit ratio, popularly CD ratio, is the ratio of how much a bank lends out of the deposits it has mobilized.
CD ratio helps in assessing a bank’s liquidity and indicates its health – if the ratio is too low, banks may not be earning as much as they could be. If the ratio is too high, it means that banks might not have enough liquidity to cover any unforseen fund requirements, may affect capital adequacy and asset-liability mis-match.

All 1, 2, 3 and 4 are correct.
The central bank’s main risk provision accounts are Contingency Fund, Currency and Gold Revaluation Account (CGRA), Investment Revaluation Account Foreign Securities (IRA-FS) and Investment Revaluation Account-Rupee Securities (IRA-RS).

In economics, the Laffer curve illustrates a theoretical relationship between rates of taxation and the resulting levels of the government’s tax revenue. The shape of the curve is a function of taxable income elasticity – i.e., taxable income changes in response to changes in the rate of taxation.

Both 1 and 2 are correct.
Banks hold a part of the money people keep in their bank deposits as reserve money and loan out the rest to various investment projects. Reserve money consists of two things – vault cash in banks and deposits of commercial banks with RBI. Banks use this reserve to meet the demand for cash by account holders.

2 and 3 are correct.
IFC—a sister organization of the World Bank and member of the World Bank Group—is the largest global development institution focused exclusively on the private sector in developing countries. The World Bank Group has set two goals for the world to achieve by 2030: end extreme poverty and promote shared prosperity in every country.
Functions:
• It offers an array of debt and equity financing services and helps companies face their risk exposures, while refraining from participating in a management capacity.
• The corporation also offers advice to companies on making decisions, evaluating their impact on the environment and society, and being responsible.
• It advises governments on building infrastructure and partnerships to further support private sector development.
Since 2009, the IFC has focused on a set of development goals that its projects are expected to target. Its goals are to increase sustainable agriculture opportunities, improve healthcare and education, increase access to financing for microfinance and business clients, advance infrastructure, help small businesses grow revenues, and invest in climate health.