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The first word in both options a and d talks about attaining the target of the internal reserve to assets ratio of 12%. However, RBI aims at not only achieving this target but also sustaining it. Maintain in option d conveys this idea perfectly rather than conserving in option a. (conserve meanTo save for later use, sometimes by the use of a preservative to protect an environment). This was done by RBI to secure risk capital for its balance sheet. This idea is therefore perfectly expressed by using the words in option d.
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