Given phrases that describe the relationship between two words/phrases as options, extract the word/phrase pair and the corresponding lexical relationship between them from the input text. The output format should be "relation1: word1, word2; relation2: word3, word4". Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

Although rates of commercial paper (CP) — an instrument through which companies borrow short-term funds — are much below bank lending rates, further lowering of base rates would depend on credit offtake, State Bank of India chairman Arundhati Bhattacharya said.

Answer: employer: Arundhati Bhattacharya, State Bank of India