The study looked at what factors influence how banks in Nigeria borrow money. They used data from 2010-2017 and found that the amount of assets a bank has, how much profit it makes, and how much physical stuff it owns all affect how much debt it takes on. Basically, banks with more assets, profits, and physical stuff tend to borrow more money. The researchers suggest that bank managers should be careful when borrowing money, as getting the right mix of debt and other funds is important for the bank's success.