Supply ships have been laid up. Oil rigs have been removed from the market. Energy companies are firing workers by the thousands. But so far, major global lenders in shipping and offshore, such as pan-Nordic bank Nordea, have yet to see a marked effect of it in their business with major carriers and subcontractors, who depend on contracts with the oil companies and have made a killing off of inflated oil prices in recent years. The reason being that most customers are still living off the fat of contracts signed before the oil price plunge.