Explanation: 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, multi-sector, 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 (non-sovereign) operations in all DMCs.

Source: https://www.adb.org/what-we-do/funds/ocr