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Security report for lombardmalta.com

Lombard Bank · Finance · Malta

Partial score · DNS & email only

62/100

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

Lombard Bank operates as a Maltese financial institution providing a range of personal and business banking services including loans, deposit accounts, cards, and internet banking. The website reflects a medium-sized bank with a professional digital presence targeting individuals and businesses in Malta. The site is well structured with clear navigation and a consistent brand identity. Technically, the website uses a modern tech stack including jQuery, Bootstrap, and Google Analytics, hosted likely behind Cloudflare, ensuring good performance and mobile optimization. Security posture is solid with HTTPS enforced and no exposed sensitive data, though the absence of security headers and explicit security policies suggests room for improvement. Privacy compliance is basic with a cookie consent banner and privacy policy present but lacking detailed GDPR compliance indicators. Overall, the website is trustworthy and professional, though it could enhance transparency by adding terms of service, security policies, and direct contact information.

Scanned

NIS2 and GDPR posture

GDPR outside view
48/ 100 · High
Checks completed
6of 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

3 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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

Keep watching lombardmalta.com

This scan found 11 issues across 5 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
0
Email security
75
DNS health
85
Network security
100
GDPR outside view
48
Average
62

Not counted

  • Security headers: 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

Lombard Bank holds a stable market position as a traditional bank in Malta, offering comprehensive banking services to both personal and business customers. The business model focuses on conventional banking products supplemented by digital services such as internet banking. The website indicates a medium-sized enterprise with a consistent branding strategy and trust signals like investor relations and privacy policies. The partnership with Deloitte Digital for website development suggests a commitment to quality and professionalism. No subsidiaries or parent companies are indicated. The absence of social media links and direct contact details may limit customer engagement channels.

Security posture

The website demonstrates a moderate security maturity level with HTTPS properly implemented and secure form handling. However, the lack of security headers such as Content-Security-Policy and X-Frame-Options reduces protection against common web attacks. No incident response or security policy pages are found, which could hinder transparency and preparedness. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of multiple third-party analytics and advertising scripts introduces potential privacy risks, mitigated partially by a cookie consent mechanism. Overall, the security posture is adequate but would benefit from enhanced security controls and clearer communication of security practices.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against web attacks.
  2. Publish explicit security and incident response policies to improve transparency and preparedness.
  3. Enhance privacy compliance by detailing GDPR adherence and data retention policies in the privacy policy.
  4. Add direct company contact information such as verified emails and phone numbers to improve customer trust and support accessibility.
  5. Regularly review and audit third-party scripts and tracking tools to minimize privacy risks and ensure compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Lombard Bank
Description
Lombard Bank is a financial institution offering personal and business banking services including loans, deposit accounts, cards, internet banking, and safekeeping.
Key services
Personal Banking, Business Banking, Wealth Management, Loans and Finance, Deposit Accounts, Internet Banking
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.5.1, Bootstrap, Font Awesome, Google Analytics, Google Tag Manager, Google Ads Remarketing
Frameworks
ASP.NET Web Forms
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Secure form submission via POST

Analytics and tracking

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

Advertising

Ad networks
Google Ads
Tracking pixels
Cybersift
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 banking site with clear navigation and multiple service offerings
  2. Uses standard web technologies and analytics tools
  3. Includes cookie consent banner and privacy policy
  4. No explicit terms of service or security policy pages found
  5. No direct contact emails or phone numbers visible; contact via forms
  6. No social media links detected
  7. No security.txt or vulnerability disclosure information found
  8. No visible security headers detected in HTML content
  9. SSL is properly configured and enforced
Technical notes

Notes

The website is built on ASP.NET Web Forms with front-end technologies including jQuery 3.5.1, Bootstrap, and Font Awesome. It integrates Google Analytics and Google Tag Manager for analytics and marketing purposes. Hosting appears to be behind Cloudflare, providing CDN and security benefits. Performance is moderate with a 5-second carousel interval and standard responsive design. Accessibility features are basic, with no explicit ARIA roles or advanced accessibility markup detected. SEO optimization is basic with meta tags present but minimal content in description and keywords. The site uses standard form submission methods with hidden ASP.NET viewstate fields. There is an opportunity to modernize the tech stack and improve accessibility and SEO practices.
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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