ADB Funds and Resources
Most of ADB's lending comes from its ordinary capital resources, offered at near-market terms to lower- to middle-income countries, and beginning in 2017, at very low interest rates to lower income countries. ADB also provides loans and grants from various funds, of which the Asian Development Fund is the largest. The Asian Development Fund (ADF) offers grants that help reduce poverty in ADB's poorest borrowing countries.
An innovation to combine concessional lending operations with OCR balance sheet to enhance ADB’s lending capacity took effect on 1 January 2017. This has increased ADB’s financial capacity to well over $20 billion by 2020.