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Security report for ersteprivatebanking.hr

Erste & Steiermärkische Bank d.d. · Finance · Croatia

Partial score · DNS & email only

75/100

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

Erste Private Banking is a prominent private banking institution operating primarily in Central and Eastern Europe, with a strong market presence in Croatia and other core markets under the Erste Group umbrella. The website reflects a professional financial services provider focused on private banking, portfolio management, and related financial products. The technical infrastructure is modern, leveraging a proprietary CMS (Gem), CDN hosting, and standard web technologies, ensuring good performance and mobile optimization. Security posture is solid with HTTPS and cookie consent mechanisms, though explicit security policies and incident response details are not publicly disclosed. Overall, the website demonstrates high business credibility and trustworthiness, supported by consistent WHOIS data and clear branding.

Scanned

3 of 7 checks could not complete. The site may be unreachable or blocking automated scans, so the results below cover only what could be checked. Try a rescan later.

NIS2 and GDPR posture

NIS2 outside view
Not assessed
GDPR outside view
Not assessed

Both readouts depend on the site's pages, which could not be loaded in this scan.

Priority findings

1 finding rated critical or high. Fix these first.

  1. 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 ersteprivatebanking.hr

This scan found 12 issues across 4 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
77
Email security
70
DNS health
85
Network security
100
Average
83
After the cap
75

Not counted

  • Security headers: did not complete in this scan.
  • GDPR outside view: did not complete in this scan.
  • 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 holds a leading position in private banking within its regional markets, supported by a broad portfolio of financial services and a strong parent company, Erste Group. Its business model centers on personalized financial solutions for affluent clients, leveraging market research and exclusive banking products. The website's content and linked partner domains indicate a well-integrated banking group with extensive regional coverage. Growth indicators include repeated awards and a comprehensive digital presence. The partnership ecosystem includes multiple regional banks under the Erste Group brand, enhancing market reach and service diversity.

Security posture

The website employs HTTPS with a strong SSL configuration and implements cookie consent in compliance with GDPR. However, it lacks visible security headers and publicly available security policies or incident response contacts, which are important for transparency and trust. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of Google Tag Manager indicates moderate user tracking, balanced with privacy compliance. The absence of a vulnerability disclosure policy or security.txt file suggests room for improvement in security communication and incident handling readiness.

Recommendations

  1. Implement comprehensive security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a dedicated security policy page outlining security practices and incident response procedures.
  3. Introduce a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Regularly audit third-party scripts and libraries for vulnerabilities and update them promptly.
  5. Enhance transparency around data retention policies and user privacy controls.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Erste & Steiermärkische Bank d.d.
Description
Erste Private Banking is a leading private banking service in Central Europe and the largest private banking in Austria, offering financial solutions tailored to clients' needs with a focus on quality service and trust.
Key services
private banking, portfolio management, investment funds, credit cards, financial market research
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, CSS, Web fonts (Inter), Gem framework (version 4.43.0)
Frameworks
Gem
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is relevant to private banking and financial services.
  3. Cookie consent and privacy policies are implemented and accessible.
  4. No signs of malicious or suspicious content.
  5. Social media presence is active and linked.
  6. WHOIS data supports legitimacy and business consistency.
  7. No explicit security policy or incident response info found.
  8. No vulnerability disclosure or security.txt detected.
Technical notes

Notes

The website is built on the Gem CMS platform, utilizing modern JavaScript modules and CSS with web font preloading for performance optimization. Hosting is via Erste Group's CDN infrastructure, ensuring reliable content delivery. The site is mobile-optimized and includes accessibility features such as skip navigation links and ARIA roles. SEO is supported by canonical tags, Open Graph metadata, and Twitter card integration. Performance is moderate with asynchronous loading of analytics scripts. The technical stack is well-maintained but could benefit from enhanced security header implementation and more explicit privacy controls.
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

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