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"Money is debt. Banks create money, and that includes the Bank of England doing so for the government." - Richard J. Murphy (Defining the fundamental nature of currency) [00:00:19](https://www.youtube.com/watch?v=vPKLgUDgnH0&t=0h0m19s)
"Money is not an object; money is always a promise to pay. That's all it is." - Richard J. Murphy (On the immateriality of money)…
Credit growth in the Indian banking system picked up meaningfully to >14% YoY towards the end of 2026 and remains healthy at above 13% YoY