Lending Policies

ADB uses a classification system to determine the eligibility of developing member countries (DMCs) to borrow from ordinary capital resources (OCR) or the Asian Development Fund (ADF), which provides grants and loans on concessional terms.

DMCs are classified based on two main criteria:

  • gross national income (GNI) per capita, and
  • creditworthiness.

Classification of DMCs

Group A (ADF only) Afghanistan, Bhutan, Cambodia, Kiribati, Kyrgyz Republic, Lao People’s Democratic Republic, Maldives, Myanmar, Nauru, Nepal, Samoa, Solomon Islands, Tajikistan, Tonga, Tuvalu, and Vanuatu
Group B
(Blend of ADF and OCR)		 Armenia, Azerbaijan, Bangladesh, Georgia, India , Marshall Islands, Federated States of Micronesia, Mongolia, Pakistan, Palau, Papua New Guinea, Sri Lanka, Timor-Leste, Uzbekistan, Viet Nam
Group C (OCR only) Cook Islands, People’s Republic of China, Fiji, Indonesia, Kazakhstan, Malaysia, Philippines, Thailand, and Turkmenistan

By making any designation of or reference to a particular territory or geographical area, or by using the term "country" in the website, ADB does not intend to make any judgment as to the legal or other status of any territory or area. Boundaries, colors, denominations or any other information shown on maps do not imply, on the part of ADB, any judgment on the legal status of any territory, or any endorsement or acceptance of such boundaries, colors, denominations, or information.

Some members enter a new phase in their relationship with ADB as defined under the Classification and Graduation Policy.