The Reserve Bank of India regulates the commercial banks in matters of 1. liquidity of assets 2. branch expansion 3. merger of banks 4. winding-up of banks Select the correct answer using the codes given below.

1. The Reserve Bank of India (RBI) is the central bank and primary regulator of the Indian banking system. 2. Liquidity of assets (1): The RBI regulates the liquidity of commercial banks through various tools like the Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR), mandating banks to maintain a certain portion of their deposits as liquid assets. So, RBI regulates this. 3. Branch expansion (2): Banks require prior approval from the RBI to open new branches or relocate existing ones. The RBI's policy governs the branch expansion of commercial banks. So, RBI regulates this. 4. Merger of banks (3): Mergers and amalgamations of commercial banks are subject to the approval of the RBI under the Banking Regulation Act, 1949. The RBI assesses the viability and implications of such mergers. So, RBI regulates this. 5. Winding-up of banks (4): The RBI has the power to initiate the process of winding-up (liquidation) of a banking company if it deems necessary, such as when a bank is unable to pay its debts or its functioning is detrimental to depositors' interests. So, RBI regulates this. 6. Therefore, the RBI regulates commercial banks in all the listed matters.