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. Regular OCR also supports ADB’s private sector (nonsovereign) operations in all DMCs.
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.
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. See details of the classification of ADB's DMCs.