The study looked at how banks influence the financial decisions of companies in the Netherlands. They found that when companies have strong ties with banks, it affects how they choose to borrow money and manage their debts. Specifically, having less involvement from banks makes it more likely for companies to match their debt with the maturity of their loans. Additionally, when companies have bank loans, they tend to have lower overall debt levels. Lastly, there is a clear trade-off between using bank loans and the maturity of those loans, regardless of how closely connected the companies are to the banks.