The goal of the study was to figure out what factors affect the quality of assets in the banking system. The researchers looked at data from different countries with varying economic situations to see how asset quality is determined. They found that bad loans in banks are closely linked to how well the economy is doing, and that each country should have its own way of measuring bad loans. It's important to consider big-picture economic factors when looking at asset quality in banks, because they are strongly connected to how well the country's economy is doing.