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Which reform most directly led to the creation of the present Kerala State Co‑operative Bank (KSCB) as a unified apex bank?

AEstablishment of a separate agricultural cooperative bank

BMerger of district central co‑operative banks with the apex bank

CNationalization of the apex cooperative bank

DAmalgamation of all primary agricultural credit societies

Answer:

B. Merger of district central co‑operative banks with the apex bank

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