On the other hand, the competition from non-banks in so many of banks' activities may push more banks towards relationship lending with SME, a segment on which they can not be challenged by non-banks. Recent evidence seems to suggest that the availability of relationship lending is decreasing.
The reduction in the use of gas and oil until 2030 in the net-zero NGFS scenario is comparable across integrated assessment models with the exception of the model for energy supply system alternatives and their general environmental impacts (MESSAGE) for which the reduction of oil is significantly larger. 28. The IEA scenarios are based on the IEA’s World Energy Outlook 2022.