Editorial Integrity & Regulatory Governance
How AllOfBD Curates, Verifies & Ranks Financial Data
AllOfBD Finance operates an independent discovery directory built on official regulatory circulars, bank schedules of charges, and statutory tax frameworks. We publish transparent methodology to ensure consumers and institutional partners evaluate comparisons with complete confidence.
Zero Commercial Bias in Rankings
Organic search rankings, comparison matrices, and sorting sequences across cards, deposits, and loans are strictly algorithmic and mathematically determined. Banks and financial institutions cannot purchase placement, artificially boost ranking, or alter product facts.
Schedule Rates vs. Sanction Letters
Headline rates displayed on AllOfBD represent publicly declared schedule rates mandated by Bangladesh Bank disclosure regulations. Actual terms extended to an applicant are determined during credit underwriting based on CIB clean records and verifiable debt-burden ratios.
Append-Only Ledger Provenance
Every interest, profit, or fee change is permanently logged in an append-only relational ledger with effective dates and source attribution. Historic rate trajectories are never deleted or overwritten, providing a verifiable audit trail for consumers and regulators.
Strict Non-Transactional Independence
AllOfBD is strictly an informational and discovery platform. AllOfBD does not hold banking licenses, does not accept customer deposits, does not issue payment cards, and does not disburse or collect loans. All transactions occur directly between the customer and licensed institutions.
Full Statutory Tax & Regulatory Math Integration
All decision tools accurately incorporate Bangladesh statutory obligations: Advance Income Tax (AIT) withholding (10% with TIN, 15% without TIN under the Income Tax Act 2023), 15% NBR VAT on bank processing charges, Bangladesh Bank 2.5% cash incentive on inward foreign remittances, and Bangladesh Bank 50% Debt Burden Ratio (DBR) consumer credit ceilings.
Sourcing & Verification Schedule
How Often Is Financial Data Updated?
| Data Domain | Primary Authoritative Source | Update & Audit Frequency | Verification Standard |
|---|---|---|---|
| Deposit & Lending Rates | Official Bank Schedules of Charges & Rate Circulars | Bi-weekly or upon circular issuance | Staff Verified |
| Indicative FX Exchange Rates | Authorized Dealer (AD) Bank Daily Counter Sheets | Daily / Business day cycles | Indicative Feed |
| Clearing Routing Numbers | Bangladesh Bank Payment Systems Department (BEFTN/NPSB) | Quarterly clearing circular review (90-day cycle) | Regulator Circular |
| Sanchayapatra Profit Rules | National Savings Directorate (NSD) Gazette Notifications | Immediate upon Ministry of Finance gazette updates | Official Gazette |
| Insurance Policies | IDRA Approved Policy Terms & Bancassurance Circulars | Monthly regulatory audits | IDRA Framework |
Represent an Institution? Submit Verified Revisions
If your institution has issued an updated schedule of charges or published new financial products, your authorized officers can submit corrections through our partner portal for verification and deployment.
Programmatic Access & Machine-Readable Data
AllOfBD exposes public, read-only REST endpoints for financial researchers, developers, and institutions covering bank profiles, product comparisons, 64-district clearing routing numbers, Shariah glossaries, and calculation models.
Disclaimer
AllOfBD is an information, comparison and discovery platform. Financial products are offered by their respective institutions. Product terms, eligibility, rates, approval and final decisions are determined by the relevant institution or government authority. Users should verify current information through the official source before making financial decisions.