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Security report for hbor.hr

Hrvatska banka za obnovu i razvitak · Finance · Croatia

Medium risk. 6 critical or high findings in GDPR outside view and SSL/TLS.

Security score

74/100

Risk levelMedium

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

Hrvatska banka za obnovu i razvitak (HBOR) is a Croatian government development and export bank established in 1997. It provides financial products such as loans, guarantees, export credit insurance, leasing, and venture capital funds to support business growth, export activities, and sustainable development in Croatia. The website positions HBOR as a leading financial institution with a strong market presence and comprehensive service offerings targeting entrepreneurs, SMEs, and public sector entities. The digital infrastructure uses modern web technologies including jQuery and Bootstrap, with good mobile optimization and accessibility features. Security posture is solid with HTTPS and cookie consent mechanisms, though some security headers could be improved. The WHOIS data confirms the domain's legitimacy and long-term registration consistent with a government-affiliated entity. Overall, the website is professional, trustworthy, and compliant with privacy regulations.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

6 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 Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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: LinkedIn

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

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

Keep watching hbor.hr

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.

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Recommended

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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
77
Security headers
85
Email security
85
DNS health
85
Network security
100
GDPR outside view
10
Average
74

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

HBOR operates in the finance and government sectors, focusing on development banking and export credit services. Its business model includes direct lending, credit guarantees, insurance products, and venture capital investments. The bank targets Croatian entrepreneurs, exporters, and public institutions, supporting economic growth and competitiveness. The presence of detailed product information, financial reports, and active news updates indicates a mature organization with transparent communication. Partnerships with agencies like HAMAG-BICRO and subsidiaries like Hrvatsko kreditno osiguranje d.d. strengthen its ecosystem. The bank's market position is strong as a national development institution with a large operational scale.

Security posture

The website demonstrates a good security posture with enforced HTTPS and cookie consent mechanisms aligned with GDPR. However, explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not evident in the HTML content, suggesting room for improvement. No exposed sensitive data or vulnerable libraries were detected. The absence of a published security policy or incident response contact limits transparency in security governance. No vulnerability disclosure or security.txt file is present. Overall, the security maturity is good but could be enhanced by adopting additional HTTP security headers and publishing formal security policies.

Recommendations

  1. Implement and verify HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a clear security policy and incident response contact information on the website to improve transparency and trust.
  3. Introduce a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Regularly audit and update third-party libraries to avoid vulnerabilities.
  5. Enhance privacy compliance by detailing data retention policies and analytics usage.

Contact details published on the site

Addresses
Legal name
Hrvatska banka za obnovu i razvitak
VAT number
HR 26702280390
Registration number
3929370
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Hrvatska banka za obnovu i razvitak
Description
HBOR je razvojna i izvozna banka te izvozno-kreditna agencija RH. Saznajte više kako Vas možemo podržati u razvoju poslovanja - od ulaganja u konkurentnost, održivost i digitalizaciju do financiranja i osiguranja izvoznih projekata.
Key services
Krediti (Loans), Garancije (Guarantees), Izvozno-kreditno osiguranje (Export credit insurance), Leasing, Fondovi rizičnog kapitala (Venture capital funds)
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.7.1, Bootstrap 5, Slick Slider, Cloudflare DNS
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

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

Analytics and tracking

Tracking level
minimal
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 a professional government-affiliated financial institution site
  2. Content is comprehensive and well-structured
  3. Good accessibility and mobile optimization
  4. Cookie consent and privacy policy are implemented
  5. No visible security or privacy red flags
  6. WHOIS data supports legitimacy and long-standing presence
Technical notes

Notes

The website uses a modern tech stack with jQuery 3.7.1, Bootstrap for responsive design, and Slick Slider for interactive elements. Hosting is supported by Cloudflare DNS, indicating reliable infrastructure. The site is mobile optimized and accessible, with good SEO meta tags and Open Graph data. Performance is moderate, with potential for optimization. The CMS is not explicitly identified, suggesting a custom or proprietary solution. The site includes cookie consent and privacy policy mechanisms, reflecting digital maturity. Technical risks are low, but security header implementation and analytics transparency could be improved to reduce potential attack surface and enhance compliance.
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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