1. (a) Resuscitating Information Resources (10 marks): Under BCM and BoG guidelines, steps include: Activate backup systems (cloud redundancies at Ecobank post-2021 outage); data recovery from offsite (per Cyber Directive); testing restores; stakeholder communication; post-incident review for improvements, as in international JPMorgan practices.

(b) Improving CAR (10 marks): Per CRD and Basel III: Retain earnings (GCB post-DDEP); issue capital instruments; reduce RWAs via asset sales (Stanbic de-risked portfolios); optimize risk models (Advanced Approaches); securitization for liquidity.