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Security report for bank.lv

Latvijas Banka · Finance · Latvia

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

75/100

Risk levelMedium

0–100, higher is better. How it is calculated

Latvijas Banka is the official central bank of Latvia, providing essential national financial services including monetary policy implementation, reserve management, financial stability oversight, and statistical data provision. The website reflects its authoritative role with comprehensive content targeting the general public, financial institutions, and government entities. The site is professionally designed, multilingual, and well-structured, supporting a broad range of banking and regulatory information. Technically, the site uses Joomla CMS with modern JavaScript libraries and is hosted on Microsoft Azure, ensuring reliable performance and moderate loading speeds. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, though some advanced security headers and explicit incident response contacts are not publicly disclosed. Overall, the domain registration and WHOIS data align perfectly with the official institution, confirming high legitimacy and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching bank.lv

This scan found 17 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
64
Security headers
85
Email security
85
DNS health
75
Network security
100
GDPR outside view
40
Average
75

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Latvijas Banka holds a critical position as Latvia's central bank, operating within the government and finance sectors. Its business model centers on regulatory and monetary functions rather than commercial banking. The website supports transparency and public engagement through detailed service descriptions, news updates, and educational resources. Partnerships with related domains such as makroekonomika.lv and naudasskola.lv enhance its research and financial literacy missions. The bank's digital presence is mature, with active social media channels and a clear focus on user experience and accessibility. The absence of a public terms of service or security policy page is a minor gap but does not detract from overall credibility.

Security posture

The website demonstrates a solid security foundation with HTTPS and cookie consent compliance. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of explicit security headers like Content-Security-Policy and absence of a published security policy or incident response contact reduces transparency in security governance. No vulnerability disclosure or security.txt file was found, which could be improved to foster responsible vulnerability reporting. The use of reputable third-party libraries and hosting on Azure contributes positively to security. Overall, the security posture is good but could benefit from enhanced transparency and additional security controls.

Recommendations

  1. Implement and publish a formal security policy and incident response contact information on the website.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to improve defense-in-depth.
  3. Create and maintain a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance accessibility features to meet higher compliance standards and improve user inclusivity.
  5. Regularly audit and update third-party scripts and libraries to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
Latvijas Banka
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Latvijas Banka
Description
Latvijas Banka is the state central bank of Latvia, an independent institution responsible for monetary policy implementation, management of foreign currency and gold reserves, issuance of cash, operation of interbank settlement systems, and compilation of financial statistics. It is a member of the European System of Central Banks.
Key services
Monetary policy implementation, Research, Financial stability, Reserve management, Licensing and supervision, Credit registry, Cash circulation, Payment systems, Statistics provision, Consumer protection
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery 3.6.1, Joomla CMS, Google Fonts, Chosen jQuery plugin, LightSlider, Moment.js, Air-datepicker
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of external scripts with integrity
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is professionally designed and maintained by a government institution.
  2. Content is comprehensive and relevant to banking and financial regulation.
  3. Multiple language support with Latvian and English versions.
  4. Strong presence of privacy and cookie policies with consent mechanisms.
  5. No signs of malicious or suspicious content.
  6. Social media presence on major platforms enhances trust and outreach.
  7. Use of modern web technologies and CMS (Joomla).
  8. No visible security policy or incident response contact details publicly available.
  9. No terms of service page explicitly found.
  10. No vulnerability disclosure or security.txt file detected.
Technical notes

Notes

The website is built on Joomla CMS with a modern front-end stack including jQuery 3.6.1, Chosen plugin, LightSlider, Moment.js, and Air-datepicker. It uses Google Fonts and integrates Google Tag Manager for analytics. Hosting appears to be on Microsoft Azure, indicated by botchat script source. The site is mobile responsive with good navigation clarity and SEO optimization. Performance is moderate, with room for improvement in loading speed and accessibility compliance. The technical implementation is stable and supports the bank's informational and service delivery goals effectively.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Earlier scans of this domain

  1. 78/100Low24 findingsView report
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