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World Bank Loan Handbook

This Loan Handbook for World Bank Borrowers (the handbook) sets out guidance on disbursement arrangements and debt services for loans or financing provided or administered by the World Bank. The handbook provides detailed information about the World Bank’s lending instruments, financial products and terms, policy on overdue payments and sanctions, partial waiver of loan charges policy, and billing
procedures.

The handbook has been arranged in three volumes:

• Volume 1 World Bank-financed operations and financing products.
• Volume 2 Disbursements.
• Volume 3 Debt service.