If a bank is falling short of meeting its capital requirements by $1 million, what three (3) things can it do to rectify the situation?

If a bank is falling short of meeting its capital requirements by $1 million, what three (3) things can it do to rectify the situation? Would you be more willing to lend to a friend if she put all her life savings into her business than you would if she had not done so? Why, or why not? The more collateral there is backing a loan, the less the lender has to worry about adverse selection. Is this statement true, false, or uncertain?