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Security report for lukb.ch

Luzerner Kantonalbank · Finance · Switzerland

Low risk. 1 critical or high finding in SSL/TLS.

Security score

83/100

Risk levelLow

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

Luzerner Kantonalbank (LUKB) is a leading regional bank based in Luzern, Switzerland, offering a comprehensive range of financial services including private banking, mortgages, savings, investments, and financial planning. The website targets private customers primarily in Luzern and the Central Switzerland region, emphasizing personalized advice and innovative banking solutions. The bank has a strong market position as a trusted financial institution with a long history, celebrating 175 years in 2025. Technically, the website employs modern web technologies such as JavaScript, Cookiebot for cookie consent management, Google Tag Manager, and Google Analytics for tracking and analytics. The site is well-optimized for mobile devices, accessible, and SEO-friendly, providing a smooth user experience with clear navigation and professional design. From a security perspective, the site enforces HTTPS with strong SSL configuration and implements security best practices including security headers and secure cookie handling. However, explicit security policies and incident response information are not publicly available, and no vulnerability disclosure or security.txt file is found. Privacy compliance is robust with comprehensive privacy and cookie policies and GDPR adherence. Overall, the website is professional, trustworthy, and secure, with extensive content and clear business credibility. Recommendations include publishing explicit security policies, incident response procedures, and vulnerability disclosure information to enhance transparency and trust further.

Scanned

This is an earlier scan of lukb.ch. View the latest report

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

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 lukb.ch

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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  • 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
80
Email security
75
DNS health
80
Network security
100
GDPR outside view
83
Average
83

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

LUKB operates as a large, essential banking entity focused on retail and private banking services in Switzerland. Its competitive advantage lies in its regional dominance, comprehensive service offerings, and strong brand presence. The business model revolves around traditional banking products supplemented by digital services and personalized financial advice. Revenue streams likely include interest income from mortgages and loans, fees from asset management, and transactional services. The target customer segment is private individuals and families in the Luzern region. The bank maintains partnerships with related financial service platforms and real estate portals, enhancing its ecosystem. Growth indicators include digital product offerings and active social media engagement. Strategic observations highlight a mature, stable institution with a focus on customer trust and regulatory compliance.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, modern security headers, and cookie consent management. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. The use of session cookies and local storage is controlled and documented. However, the absence of a public security policy, incident response plan, and vulnerability disclosure mechanism indicates room for improvement in transparency and readiness. Compliance with GDPR is evident through privacy and cookie policies. The security culture appears solid but could benefit from more explicit communication of security practices and incident handling to users and stakeholders.

Recommendations

  1. Publish a dedicated security policy page detailing security measures and user guidance.
  2. Implement and publicize an incident response plan and contact channels for security incidents.
  3. Provide a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance transparency by listing the Data Protection Officer contact information clearly.
  5. Regularly review and update third-party scripts and tracking tools to minimize security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Luzerner Kantonalbank
Description
Entdecken Sie die vielfältigen Finanzdienstleistungen Ihrer Bank in Luzern und der Zentralschweiz. Persönliche Beratung, innovative Banklösungen und erstklassiger Service.
Key services
Accounts and cards, Savings and payments, Pension and financial planning, Mortgage and real estate financing, Investment and asset management, Private banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Cookiebot, Google Tag Manager, Google Analytics, HTMX
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent management
  • No exposed sensitive data in HTML
  • Use of session cookies for security

Analytics and tracking

Services
Google Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, LinkedIn, Meta Platforms (Facebook)
Tracking pixels
Facebook Pixel, LinkedIn Insight Tag
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Comprehensive cookie consent and privacy management implemented.
  3. Multiple social media channels actively linked.
  4. No signs of phishing or malware.
  5. Use of modern web technologies and analytics tools.
  6. Clear contact and support information provided.
  7. No explicit security policy or incident response info publicly available.
  8. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website uses a modern and modular front-end architecture with asynchronous JavaScript loading, Cookiebot for consent management, and Google Tag Manager for analytics integration. The site is mobile-optimized with responsive design and accessibility features. Performance is moderate, with potential improvements in loading speed by optimizing images and scripts further. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting details are not disclosed. The technical stack supports a professional banking website with secure data handling and user-friendly interfaces. Opportunities exist to enhance technical documentation and monitoring for security and performance.
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. 83/100Low25 findingsView report
  2. 83/100Low25 findingsView report
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