The study looked at how new rules about how banks manage their money affected their risk of going out of business. Dutch banks had to follow these rules, while banks in other European countries did not. After the rules were put in place, Dutch banks were less likely to fail compared to banks in other countries. Even though Dutch banks had to pay less to borrow money, they made less profit because they earned less from interest. Dutch banks did not try to make up for this loss by charging more interest on loans. But they were able to get more money from deposits and investments to make up for it.