Banks give out loans to people, but sometimes those loans don't get paid back, causing problems for the banks. This study looked at how the total amount of loans a bank gives out affects the number of loans that don't get paid back. They found that more loans can lead to more non-performing loans. They also found that the credit rating of the borrowers can change how many loans don't get paid back. So, it's important for banks to manage their loans carefully to avoid losing money.