The study looked at how changes in bank capital requirements impact bank lending in the UK from 1990-2011. They found that when capital requirements increase, banks tend to increase their capital ratios over time. Additionally, after an increase in capital requirements, banks typically reduce lending for commercial real estate, other corporates, and household secured loans in the following year. However, unsecured household lending is less affected. Loan growth usually bounces back within three years. This suggests that changing capital requirements can influence how much banks lend to different sectors of the economy.