Multilateral Development Banks (MDBs) are not core humanitarian actors and cannot substitute for humanitarian organisations in delivering rapid, needs-based assistance. Their contribution in crisis and fragile contexts lies in financing the public systems and services on which affected populations depend, sustaining and/or expanding essential expenditure and social protection, and supporting national preparedness, resilience and reconstruction. Across MOPAN assessments, this role is found to be constrained by longer response timelines, conservative risk profiles, resource allocation rules that can limit access to grants or concessional finance, particularly for middle-income countries, and business models centred on government counterparts. MOPAN assessments point to considerable variation in how far specific approaches to crisis and fragility are institutionalised across MDBs, as well as recurring challenges around the flexibility and accessibility of financing instruments, operational capacity and partnerships, and the measurement of results in fragile and crisis-affected settings.
MOPAN evidence presents significant differences across MDBs in the extent to which crisis and fragility considerations are embedded in their institutional frameworks and operations. The World Bank is the MDB where approaches to working in situations of fragility are most institutionalised. Its 2020–25 Fragility, Conflict and Violence Strategy2 established a basis for remaining engaged during crises and conflict, supported by Risk and Resilience Assessments, a central team of fragility specialists and dedicated financing windows (MOPAN, World Bank Assessment Report, 2023, pp. 52–53). A subsequent evaluation nevertheless found that strategic commitments were not always translated consistently into country programming and that increased financial commitments were not matched by proportionate administrative budgets and staffing (World Bank, 2025[39]).
The African Development Bank (AfDB) and Asian Development Bank (ADB) have also strengthened their institutional approaches. The AfDB’s Strategy for Addressing Fragility and Building Resilience in Africa 2022–26 is supported by standardised Country Resilience and Fragility Assessments and increased staff presence in fragile settings (MOPAN, African Development Bank Assessment Report, 2023, p. 37). The ADB’s 2021 FCAS and SIDS Approach introduced Fragility and Resilience Assessments and expanded specialist support to country teams. However, MOPAN found that Country Partnership Strategies (CPS) remained relatively generic and that limited country presence and human resources constraints within the Fragility Team hampered implementation (MOPAN, Asian Development Bank Assessment Report, 2025, p. 65).
Other MDBs often lack both a clear approach to defining fragility and a well-defined role in conflict and crisis settings. The European Bank for Reconstruction and Development (EBRD) is a case in point. MOPAN found that it responded with considerable agility to Covid-19, the war in Ukraine and the 2023 earthquakes in Türkiye, using streamlined approvals, advisory support and crisis-specific frameworks (MOPAN European Bank for Reconstruction and Development Assessment Report, 2024, p. 43, 48, 55). A subsequent evaluation of EBRD’s 2021-25 Strategic and Capital Framework found that this agility was not always matched by institutional preparedness: existing processes for monitoring, reporting and disbursement were not fully suited to the scale and speed of the Ukraine response, while the Bank lacked an established crisis-response mechanism and clear internal prioritisation between immediate needs and longer-term objectives3 (EBRD, 2025[40]). The evaluation called for a more consistent approach to crises and fragility, stronger operational preparedness, and for results systems better able to capture the impact of crisis interventions (EBRD, 2025[40]).
MDBs bring a range of financing instruments to crisis contexts, including policy-based lending, emergency and contingent financing, concessional and grant financing, dedicated disaster- and crisis-response facilities, and risk-sharing instruments. These instruments can operate at scale, sustain public services, and connect crisis response with longer-term recovery. However, they generally work through governments and public institutions and therefore complement rather than replace humanitarian action.
The World Bank’s dedicated instruments include the IDA FCV envelope, the Window for Host Communities and Refugees, the State and Peacebuilding Fund and the Global Concessional Financing Facility (MOPAN World Bank Assessment Report, 2023, pp. 52–53). The ADB uses its Disaster and Emergency Assistance Policy, Contingent Disaster Financing, Asian Development Fund crisis-response windows and the Asia Pacific Disaster Response Fund (MOPAN Asian Development Bank Assessment Report, 2025, p. 75). Evaluations have generally found these mechanisms timely and broadly effective, while identifying weaknesses in monitoring and livelihood rehabilitation (Asian Development Bank, 2025[41]) (Asian Development Bank, 2023[42]) (Asian Development Bank, 2012[43]).
The Caribbean Development Bank (CDB) stands out among MDBs both because all its Borrowing Member Countries are Small Island Developing States (SIDS), and because it can channel concessional resources across income categories, including to middle- and high-income countries. This enables it to respond to the particular vulnerability of SIDS, including to climate-related shocks and disasters, in contexts where income-based eligibility rules would normally restrict access to concessional finance (MOPAN, Caribbean Development Bank Main Report, 2026, p.11, 22). However, MOPAN found that some CDB instruments were hindered by procedural rigidity, limited scope to restructure projects and insufficient adaptive management (MOPAN, Caribbean Development Bank Assessment Report, 2026, p. 72).
The Inter-American Development Bank (IDB) relaxed disbursement restrictions and increased policy-based lending during COVID-19, allowing it to provide liquidity more quickly, although at some cost to other priorities, including climate finance (MOPAN Inter-American Development Bank Assessment Report, 2023, p. 27, 37). Other examples of rapid adaptation include the AfDB’s USD 1.5 billion Africa Emergency Food Production Facility and the EBRD’s use of credit lines and risk-sharing arrangements (African Development Bank, 2023[44]) (MOPAN, EBRD Assessment Report, 2024, p.15). These mechanisms can help MDBs mobilise additional resources and respond to emerging needs, but they also require strong internal systems for donor engagement, implementation, and monitoring. The EBRD experience, in particular, shows that innovation in financial instruments needs to be matched by adequate institutional capacity: the rapid expansion of donor financing and use of relatively new instruments, such as unfunded guarantees, required changes to internal processes and organisational arrangements and placed additional demands on coordination, portfolio management, and monitoring systems (EBRD, 2025, p. 27[40]).
Across MOPAN assessments, delivery constraints extend beyond finance. MDBs increasingly seek to place staff in fragile settings, but recruitment, retention, and specialist capacity remain difficult. For some MDBs, capacity support can often remain fragmented and project-specific rather than providing the sustained institutional strengthening, which is needed in capacity-constrained contexts. The CDB assessment, for instance, identifies a need for a more strategic, longer-term, and programmatic approach to technical assistance and institutional strengthening (MOPAN, Caribbean Development Bank Assessment Report, 2026, pp. 74, 76). This can result in fragmented interventions that address immediate project requirements without strengthening the broader institutions and systems needed to manage continuing risks.
Partnerships with other development and humanitarian actors are particularly important in fragile and crisis-affected settings, where MDBs may depend on partners for access, implementation capacity, and context-specific knowledge. The World Bank’s partnership with the UN stands out as it is comparatively institutionalised through the Framework for Partnership in Crisis-Affected Situations, which since 2017 has been implemented through joint analysis, operational collaboration and advocacy in fragile and crisis-affected settings (World Bank, 2023[45]) . The MOPAN assessment of the World Bank also points to instances of effective collaboration, as in the case of the World Bank’s work with UNHCR (see section 5.1), but it also identifies occasional sources of tension with humanitarian actors, arising from the Bank’s practice of working with governments party to armed conflict and also from the implementation of strict environmental, social, security, and fiduciary safeguarding policies (MOPAN, World Bank Assessment Report, 2023, p.76), (World Bank, 2021, p. 73[46]). MOPAN found that CDB engages in joint mechanisms with other IFIs and development partners to promote harmonisation, knowledge sharing, and common standards, but these arrangements are not yet applied consistently across country strategies and operations (MOPAN, Caribbean Development Bank Assessment Report, p. 76).
For some MDBs, results measurement remains a challenge in crisis and fragile contexts. The CDB assessment found that results reporting remained heavily focused on outputs and ex ante projections, with limited measurement of institutional or behavioural change, while EBRD’s independent evaluation found that crisis-response results were measured largely through input and activity indicators and did not adequately capture the effects of interventions (MOPAN, Caribbean Development Bank Assessment Report, 2026, p. 80) (EBRD, 2025, p. 20[40]).