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Which of the phrases at (a), (b),(c)and (d) given below should replace the phrase given in bold in the following sentence to make the sentence grammatically meaningful and correct. If the sentence is correct as it is and ‘No correction is required’, mark(e) as the answer.

The bank is overstaffed, has led to low productivity.

 

[SBI PO 2017]
A
B
C
D
E