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Ordinary Capital Resources (OCR)

ADB’s OCR operations are diverse, covering agriculture and natural resources, education, energy, finance, health and social protection, industry and trade, public sector management, transport and information and communication technology, multisector, and water supply and other municipal infrastructure and services. Regular market-based OCR loans are generally made to developing member countries (DMCs) that have attained a higher level of economic development while concessional OCR loans are made to lower-income DMCs.

See all projects cofinanced by OCR.

An innovation to combine concessional lending operations with OCR balance sheet to enhance ADB’s lending capacity took effect on 1 January 2017. Read more about combining ADB's Asian Development Fund (ADF) and OCR resources.

OCR Funding

Funding sources for OCR include paid-in capital, retained earnings (reserves), and proceeds from debt issuance. To finance its OCR lending operations, ADB issues debt securities in the international and domestic capital markets.

ADB's debt securities carry the highest possible investment ratings from major international credit rating agencies.

ADB employs a classification system for its DMCs to determine their access to regular OCR and concessional OCR loans.

DMCs with access to Regular Ordinary Capital Resources

Armenia, Azerbaijan, Bangladesh, People's Republic of China, Cook Islands, Fiji, Georgia, India, Indonesia, Kazakhstan, Malaysia, Mongolia, Pakistan, Republic of Palau, Papua New Guinea, Philippines, Sri Lanka, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Viet Nam