The study looked at how having a lot of loans in the same industry affects banks in Hong Kong. They found that having more loans in one industry can be good for banks because they become experts in that area, which helps them make more money. This benefit outweighs the risk of having too many loans in one place. However, if a bank puts too many loans in risky industries, it can still be a problem. So, it's important for banks to keep an eye on how many loans they have in different industries to make sure they are balancing risk and reward.