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Security report for csob.sk

Československá obchodná banka, a.s. · Finance · Slovakia

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

70/100

Risk levelMedium

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

ČSOB is a leading financial group in Slovakia providing a wide range of banking, insurance, leasing, and investment services to individual clients, private banking customers, and businesses. The website reflects a mature digital presence with comprehensive content tailored to various customer segments. The technical infrastructure is built on modern frameworks including Liferay, React, and uses advanced monitoring tools like Elastic APM, ensuring robust performance and user experience. Security posture is strong with enforced HTTPS, cookie consent mechanisms, and no visible vulnerabilities, although explicit security policies and incident response contacts are not publicly detailed. Overall, the site demonstrates high professionalism and trustworthiness suitable for a major financial institution.

Scanned

This is an earlier scan of csob.sk. View the latest report

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
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

7 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

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

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

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1

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

Keep watching csob.sk

This scan found 20 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.

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  • 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
72
Security headers
65
Email security
70
DNS health
85
Network security
100
GDPR outside view
25
Average
70

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

The company operates in the finance sector with a large market presence in Slovakia. Its business model revolves around providing comprehensive financial products including accounts, loans, investments, and insurance. The website targets a broad audience from individuals to enterprises, supported by a well-structured navigation and extensive service offerings. The presence of subsidiaries like ČSOB Poisťovňa and ČSOB Leasing indicates a diversified financial group. The digital ecosystem integrates advanced analytics and marketing tools, supporting customer engagement and operational insights.

Security posture

The website employs strong security best practices including HTTPS, security headers, and cookie consent management aligned with GDPR. Use of Elastic APM indicates proactive monitoring. No exposed sensitive data or outdated libraries were detected. However, the absence of a publicly available security policy, incident response contacts, or vulnerability disclosure program represents an area for improvement to enhance transparency and readiness. Overall, the security maturity is high but could benefit from more explicit communication of security governance.

Recommendations

  1. Publish a dedicated security policy page detailing security frameworks and practices.
  2. Provide clear incident response contact channels such as security@ or abuse@ emails.
  3. Implement and publicize a vulnerability disclosure program or security.txt file.
  4. Regularly review and audit third-party scripts and tracking tools for privacy compliance.
  5. Enhance visibility of data protection officer contact information to strengthen GDPR compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Československá obchodná banka, a.s.
Description
ČSOB is one of the strongest financial groups in Slovakia offering a complete range of financial solutions to fulfill customers' financial visions and goals.
Key services
Bank accounts and cards, Loans and leasing, Savings and investments, Insurance products, Online banking and digital services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, jQuery 3.6.0, Elastic APM RUM, Google Tag Manager, Liferay Portal, React, Clay UI components
Frameworks
Liferay, AUI (Alloy UI), React
Platforms
Liferay DXP
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Use of Elastic APM for monitoring
  • No outdated or vulnerable libraries detected

Analytics and tracking

Services
Google Analytics (via GTM implied), Elastic APM RUM
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Elastic APM RUM
Marketing tools
Elastic APM RUM
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong focus on privacy and cookie consent compliance.
  3. Use of modern web technologies and frameworks.
  4. Comprehensive navigation covering multiple client segments.
  5. No signs of malicious or suspicious content.
  6. No exposed sensitive data or security misconfigurations detected.
  7. No explicit security policy or incident response contacts published.
  8. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website is built on the Liferay platform with integration of React and Clay UI components, ensuring a modern and modular front-end architecture. It uses jQuery 3.6.0 and Google Tag Manager for analytics and marketing. Elastic APM RUM is deployed for real-user monitoring and performance tracking. The site is mobile-optimized with responsive design and accessibility features. Performance is fast with combined and minified resources. No technical debt or deprecated libraries were observed. Opportunities exist to further modernize by reducing reliance on jQuery and enhancing progressive web app features.
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. 66/100Medium31 findingsView report
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