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Security report for kb.cz

Komerční banka · Finance · Czech Republic

Medium risk. 5 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

Komerční banka is a major Czech financial institution offering a broad range of banking and financial services including accounts, loans, mortgages, savings, investments, and insurance. The website is professionally designed, targeting individuals, entrepreneurs, companies, and government entities. It features a comprehensive product catalog and clear navigation, reflecting a mature digital presence. Technically, the site uses modern web technologies such as Google Tag Manager, personalization scripts from Persoo, and is built on the Kentico CMS platform. HTTPS is enforced, and the site is mobile optimized with good accessibility and SEO practices. Security posture is solid with no visible vulnerabilities or exposed sensitive data, although explicit security policies and incident response information are not published. The absence of WHOIS data is notable but likely due to registry policies rather than malicious intent. Overall, the site is trustworthy and professional, with moderate tracking and personalization tools in use.

Scanned

This is an earlier scan of kb.cz. View the latest report

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

5 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
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 20 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

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

Keep watching kb.cz

This scan found 15 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

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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
85
Email security
72
DNS health
90
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention kb.cz, from OffSeq Breach.

Total records
2,010
Employees
40
Customers
1,719
Third parties
251
Weak passwords
13%

Latest record dated 2026-05-27 · 120 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for kb.cz.

Select it in the checkout above.

Masked preview

  • –hypokalkulacka-uat.kb.cz2026-05-27
  • –adfs.kb.cz2026-05-26
  • –adfs.kb.cz2026-05-20
  • –adfs.kb.cz2026-05-18
  • –adfs.kb.cz2026-05-15

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Open in Breach(opens in a new tab)Monitor on Breach(opens in a new tab)

Technical appendix

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

Business context

Business profile

Komerční banka holds a strong market position in the Czech banking sector, serving a wide customer base from individuals to large institutions. Its business model revolves around traditional and digital banking services, supported by a large branch and ATM network. The company leverages digital marketing and personalization tools to enhance customer engagement. Partnerships with related domains for career and banking platforms indicate a well-integrated ecosystem. The website content and structure suggest a focus on transparency and customer service, although some compliance-related disclosures could be enhanced. The bank's digital maturity is high, but there is room for improvement in publishing security and privacy governance details.

Security posture

The website demonstrates a good security posture with HTTPS enforced and no visible sensitive data leaks. Use of security headers is not confirmed and could be improved. No public security policy or incident response contacts are found, which is a gap in transparency. The site uses third-party tracking and personalization scripts, which should be regularly audited for vulnerabilities. No vulnerability disclosure or security.txt file is present, limiting external security collaboration. Overall, the security maturity is good but could benefit from enhanced policy disclosures and security best practices documentation.

Recommendations

  1. Publish a dedicated security policy and incident response information on the website.
  2. Implement and verify security headers such as Content-Security-Policy and X-Frame-Options.
  3. Introduce a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Provide clear contact information for the Data Protection Officer or privacy team.
  5. Regularly audit third-party scripts and tracking tools to minimize security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Komerční banka
Description
Komerční banka poskytuje finanční produkty a služby pro občany, podnikatele, malé i velké podniky a státní správu. Bankovní účty, půjčky, hypotéky, spoření, investice, pojištění. Široká síť poboček a bankomatů KB.
Key services
bankovní účty, půjčky, hypotéky, spoření, investice, pojištění
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Persoo personalization scripts, Luigisbox tracking, Kentico CMS (implied by content bundle path), Google Fonts
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Secure forms with autocomplete off

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Persoo, Luigisbox
Marketing tools
Persoo personalization
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 content-rich.
  2. No WHOIS data available, which is unusual but may be due to registry policies.
  3. Strong presence of tracking and personalization scripts.
  4. No explicit security policy or incident response information found.
  5. No vulnerability disclosure or security.txt detected.
  6. Contact information is available but no direct emails or phone numbers extracted from provided content.
  7. Site uses HTTPS and modern web technologies.
  8. No adult or questionable content detected.
Technical notes

Notes

The website is built on a modern CMS (Kentico) and uses contemporary web technologies including Google Tag Manager and personalization scripts. It loads Google Fonts and external scripts asynchronously to optimize performance. Mobile optimization and accessibility are well addressed. However, no explicit hosting provider information is available. Performance is moderate, likely due to the number of external scripts. SEO is well implemented with proper meta tags and Open Graph data. There is an opportunity to improve technical security by adding missing security headers and enhancing transparency around data protection.
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. 77/100Low23 findingsView report
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