The question asks which international organization replaced the General Agreement on Tariffs and Trade (GATT) in 1995. Let's analyze the options provided:

1. WTO (World Trade Organization): The World Trade Organization, commonly known as WTO, was established in 1995 and effectively replaced the General Agreement on Tariffs and Trade (GATT). The WTO's primary role is to oversee and facilitate international trade rules, making it a key driver for globalization by promoting free trade among nations. Therefore, WTO is the correct answer.
2. WHO (World Health Organization): The World Health Organization is responsible for global health issues but has no direct role in international trade agreements. It focuses on health policies and managing public health challenges, not replacing GATT.
3. World Bank: The World Bank provides financial and technical assistance to developing countries for developmental projects (like education, health) that are expected to improve the economic prospects and quality of life for people. It does not govern trade agreements or replace GATT like the WTO.
4. IMF (International Monetary Fund): The IMF primarily deals with global financial stability, offering financial advice, and monitoring exchange rates. It does not directly manage global trade agreements.

Thus, based on the explanation above, the correct answer is the WTO.