Note: The table shows the three countries with the largest lending commitments in the region over the past two fiscal years (2006 nd 2007). IBRD and IDA commitments do not include HIPC grants. Effective fiscal 2005, IBRD and IDA commitments include guarantees and guarantee facilities. Commitments in regional projects are classified under this table as regional projects and are not counted as commitments of the individual countries involved under the regional project. However, undisbursed balances, gross disbursements, repayments, net disbursements, interest and charges, and net transfers are reported or classified under the individual countries because the individual amounts are covered by separate loan, credit, grant, or guarantee agreements and are guaranteed by the individual countries. Disbursements are made to the individual countries, and principal, interest, and charges are billed to the individual countries. Repayments are made by the individual countries and also include payments from donors under debt service trust funds or debt relief under HIPC and MDRI.