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Lending Policies

ADB uses a classification system to determine the eligibility of developing member countries (DMCs) to borrow from ordinary capital resources (OCR) at near-market terms, or at concessional OCR loan (COL) terms, or to receive grants from the Asian Development Fund (ADF).

DMCs are classified based on two main criteria:

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

Classification of DMCs


Group A (Concessional assistance only)

Afghanistan, Bhutan, Cambodia, Kiribati, Kyrgyz Republic, Lao People’s Democratic Republic, Maldives, Marshall Islands, Federated States of Micronesia, Myanmar, Nauru, Nepal, Samoa, Solomon Islands, Tajikistan, Tonga, Tuvalu, Vanuatu

Group B (OCR blend)

Bangladesh, India, Mongolia, Pakistan, Palau, Papua New Guinea, Timor-Leste, Uzbekistan

Group C (Regular OCR only)

Armenia, Azerbaijan, People’s Republic of China, Cook Islands, Fiji, Georgia, Indonesia, Kazakhstan, Malaysia, Philippines, Sri Lanka, Thailand, Turkmenistan, Viet Nam

Developing members: Afghanistan; Armenia; Azerbaijan; Bangladesh; Bhutan; Brunei Darussalam; Cambodia; People’s Republic of China; Cook Islands; Georgia; India; Indonesia; Fiji; Hong Kong, China; Kazakhstan; Kiribati; Republic of Korea; Kyrgyz Republic; Lao People’s Democratic Republic; Malaysia; Maldives; Marshall Islands; Federated States of Micronesia; Mongolia; Myanmar; Nauru; Nepal; Pakistan; Palau; Papua New Guinea; Philippines; Samoa; Singapore; Solomon Islands; Sri Lanka; Taipei,China; Tajikistan; Thailand; Timor-Leste; Tonga; Turkmenistan; Tuvalu; Uzbekistan; Vanuatu; Viet Nam.

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.