Editing Asian Development Bank (section)

==Financings==
The ADB offers "hard" loans on commercial terms primarily to middle income countries in Asia and "[[Soft loan|soft" loans]] with lower interest rates to poorer countries in the region. Based on a new policy, both types of loans will be sourced starting January 2017 from the bank's ordinary capital resources (OCR), which functions as its general operational fund.<ref>{{Cite web |title=ADF-OCR Merger to Boost Support for Region's Poor |url=http://www.adb.org/news/adf-ocr-merger-boost-support-region-s-poor |access-date=2015-11-27 |date=2 May 2015 |publisher=Asian Development Bank |archive-date=27 December 2015 |archive-url=https://web.archive.org/web/20151227022519/http://www.adb.org/news/adf-ocr-merger-boost-support-region-s-poor |url-status=live }}</ref>

The ADB's Private Sector Department (PSOD) can and does offer a broader range of financings beyond commercial loans. They also have the capability to provide guarantees, equity and mezzanine finance (a combination of debt and equity).

In 2017, ADB lent $19.1&nbsp;billion of which $3.2&nbsp;billion went to private enterprises, as part of its "non-sovereign" operations. ADB's operations in 2017, including grants and co-financing, totaled $28.9&nbsp;billion.<ref>{{Cite web |title=ADB news release |url=https://www.adb.org/news/adb-2017-operations-reach-289-billion |access-date=2018-01-12 |date=12 January 2018 |publisher=Asian Development Bank |archive-date=8 February 2018 |archive-url=https://web.archive.org/web/20180208123741/https://www.adb.org/news/adb-2017-operations-reach-289-billion |url-status=live }}</ref>

ADB obtains its funding by issuing bonds on the world's capital markets. Moody's Investors Service assigned a credit rating of AAA to its senior unsecured debt as of April 2025.<ref>{{cite news |title=Asian Development Bank ADB MTN |publisher=Moody's Investors Service |date=April 23, 2025}}</ref> It also relies on the contributions of member countries, retained earnings from lending operations, and the repayment of loans.<ref>{{Cite web |title=FAQs |url=http://www.adb.org/about/faqs |access-date=2015-11-27 |publisher=Asian Development Bank |archive-date=10 December 2015 |archive-url=https://web.archive.org/web/20151210163207/http://www.adb.org/about/faqs |url-status=live }}</ref>
{| class="wikitable sortable" style="text-align:right;float:left;"
|+Five largest borrowing countries<ref name="AFS2016">{{Cite web |date=31 December 2016 |title=Management's Discussion and Analysis and Annual Financial Statements |url=https://www.adb.org/sites/default/files/institutional-document/414776/adb-financial-report-2016.pdf |archive-url=https://ghostarchive.org/archive/20221009/https://www.adb.org/sites/default/files/institutional-document/414776/adb-financial-report-2016.pdf |archive-date=2022-10-09 |url-status=live |publisher=Asian Development Bank}}</ref><ref name="FR2017">{{Cite web |date=31 December 2018 |title=2018 FINANCIAL REPORT |url=https://www.adb.org/sites/default/files/institutional-document/496016/adb-financial-report-2018.pdf |archive-url=https://ghostarchive.org/archive/20221009/https://www.adb.org/sites/default/files/institutional-document/496016/adb-financial-report-2018.pdf |archive-date=2022-10-09 |url-status=live |publisher=Asian Development Bank}}</ref>
!rowspan="2" |Country !!colspan="2"|2018 !!colspan="2"| 2017 !!colspan="2"|2016 !!colspan="2"| 2015
|-
!$ million !!% !!$ million !!% !!$ million !!% !!$ million !!%
|-
|style="text-align:left;"|{{flag|China}} ||17,015 ||16.6 ||16,284 ||16.9||15,615 ||24.8 ||14,646 ||25.2
|-
|style="text-align:left;"|{{flag|India}} ||16,115 ||15.7 ||14,720 ||15.2||13,331 ||21.2 ||12,916 ||22.2
|-
|style="text-align:left;"|{{flag|Pakistan}} ||10,818 ||10.6 ||10,975 ||11.4 ||4,570 ||7.3 ||4,319 ||7.4
|-
|style="text-align:left;"|{{flag|Indonesia}} ||10,356 ||10.1 ||9,393 ||9.7||8,700 ||13.8 ||8,214 ||14.1
|-
|style="text-align:left;"|{{flag|Bangladesh}} ||9,169 ||8.9 ||8,685 ||9.0 ||-  ||-  ||-  ||-
|-
|style="text-align:left;"|{{flag|Philippines}} ||-  ||-  ||-  ||-  ||5,935 ||9.4 || 5,525 ||9.5
|-
|style="text-align:left;"|Others ||38,998 ||38.1 ||36,519 ||37.8 ||14,831 ||23.5 ||12,486 ||21.6
|-
|style="text-align:left;"|Total ||102,470 ||100.0 ||96,577 ||100.0 ||62,983 ||100.0 ||58,106 ||100.0
|}
{{clear}}