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Security report for ghazanfarbank.com

Ghazanfar Bank · Finance · Afghanistan

Medium risk. 5 critical or high findings in Security headers, SSL/TLS and 1 other check.

Security score

58/100

Risk levelMedium

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

Ghazanfar Bank is a well-established financial institution in Afghanistan, providing a broad range of banking services including personal and corporate accounts, digital banking, ATM debit cards, loans, and remittance services such as Western Union. The bank has a solid market presence with 15 years of operation, multiple branches, and a recognized position in the SME finance sector. Their website reflects a professional and consistent brand image targeting both individual and corporate customers within Afghanistan. Technically, the website uses modern web technologies including Bootstrap, Google Analytics, and customer support widgets, delivering a good user experience with mobile optimization and multi-language support. Security posture is adequate with HTTPS enforcement and domain transfer protection, though improvements are recommended in DNSSEC and security headers. Privacy compliance is basic with visible privacy and cookie policies but lacks explicit GDPR compliance indicators. Overall, the bank demonstrates credible business operations with trustworthy digital presence.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

5 findings rated critical or high. Fix these first.

  1. 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
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  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

  3. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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

Keep watching ghazanfarbank.com

This scan found 23 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
62
Security headers
30
Email security
70
DNS health
80
Network security
20
GDPR outside view
83
Average
58

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

Ghazanfar Bank operates in the banking sector focusing on retail and corporate banking services in Afghanistan. Its business model combines traditional banking with digital services such as internet banking and mobile applications. The bank's partnerships with payment processors and technology providers enhance its service offerings. The presence of awards and recognition from SME Finance Forum indicates a competitive advantage and growth orientation. The bank targets a broad customer base including individuals, SMEs, and corporate clients. Its digital infrastructure supports customer engagement and service delivery, positioning it as a key player in Afghanistan's financial services market.

Security posture

The website enforces HTTPS and has domain transfer protection, which are positive security indicators. However, the absence of DNSSEC and lack of visible security headers such as Content-Security-Policy and HSTS reduce the overall security posture. No dedicated security policy or incident response information is published, which limits transparency and preparedness communication. The use of third-party scripts for analytics and customer support introduces potential risk vectors that require regular auditing. Forms include basic input validation but no advanced anti-automation or anti-fraud mechanisms are evident. Overall, the security maturity is moderate with room for improvement in DNS security, header policies, and incident response readiness.

Recommendations

  1. Enable DNSSEC on the domain to protect against DNS spoofing and improve domain security.
  2. Implement security headers including Content-Security-Policy, X-Frame-Options, and HTTP Strict Transport Security (HSTS) to mitigate common web vulnerabilities.
  3. Publish a clear security policy and incident response contact information to enhance transparency and customer trust.
  4. Conduct regular security audits of third-party scripts and dependencies to identify and mitigate vulnerabilities.
  5. Enhance privacy compliance by explicitly addressing GDPR and other relevant data protection regulations.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ghazanfar Bank
Description
Ghazanfar Bank is a financial institution providing banking services including internet banking, ATM debit cards, safe deposit lockers, loans, and corporate and personal banking products. It targets individuals and corporate clients in Afghanistan.
Key services
Internet Banking, ATM Debit Cards, Safe Deposit Lockers, Loans (Murabaha), Western Union, Bank Guarantees, Digital Banking, SMS Banking
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Zendesk Widget, Chaty WhatsApp Chat, jQuery, Bootstrap, Google Fonts, Google Maps API
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
65/100
Good practices seen
  • HTTPS enforced
  • ClientTransferProhibited domain status
  • No exposed sensitive data in HTML
  • Secure forms with input validation (basic)

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Zendesk Widget, Chaty WhatsApp Chat
Marketing tools
Zendesk, Chaty
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Content is rich with detailed banking services and corporate information.
  3. Multiple language options available (English, Dari, Pashto).
  4. Secure HTTPS connection is used.
  5. No explicit security policy or incident response pages found.
  6. Contact information is comprehensive and includes phone, email, address, and forms.
  7. No terms of service page detected.
  8. No security.txt or vulnerability disclosure policy found.
  9. Use of multiple third-party scripts for analytics and customer support.
  10. Domain WHOIS data supports business legitimacy.
Technical notes

Notes

The website is built using Bootstrap framework and integrates multiple third-party services such as Google Analytics, Google Tag Manager, Zendesk for customer support, and Chaty for WhatsApp chat functionality. It uses Google Fonts and Google Maps API for enhanced user experience. The site is mobile responsive and supports multiple languages. Hosting details are not explicitly disclosed but the domain registrar is Key-Systems GmbH. Performance is moderate with some optimization opportunities. The site lacks a detectable CMS, suggesting a custom or proprietary platform. Technical risks include missing DNSSEC and security headers, which could be addressed to improve resilience. Overall, the technical infrastructure supports the bank's business needs but could benefit from modernization and enhanced security 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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