During the Second Global Conference on Financial Resilience in June 2024, the Governor of the Reserve Bank of India addressed several key aspects to keep the financial system resilient. Which of the following statements are true?

1. The Governor emphasized the importance of strong governance as the bedrock for informed and strategic decisions.
2. The Reserve Bank has significantly strengthened its supervisory systems by creating a unified department of supervision.
3. The Governor announced a new policy to reduce the capital to risk-weighted assets ratio (CRAR) to below the minimum regulatory requirement.