A unique function of the bank is to create credit. Which of the following factors do not determine the credit creation power of banks?

Credit creation by banks depends on: the amount of cash reserves in the banking system (more cash = more lending capacity), the Cash Reserve Ratio set by the central bank (lower CRR = higher credit creation), the central bank's monetary policy (which influences lending rates and money supply), and customers' willingness to borrow (demand for credit). Special Drawing Rights (SDR) are an international reserve asset created by the IMF, not a factor in domestic bank credit creation - SDRs relate to international liquidity, not a country's internal banking credit multiplier.