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Security report for pbz.hr

Privredna banka Zagreb · Finance · Croatia

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

70/100

Risk levelMedium

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

Privredna banka Zagreb (PBZ) is a well-established Croatian bank founded in 1996, offering a comprehensive range of retail banking services including accounts, cards, loans, savings, and digital banking solutions. The website reflects a mature digital presence with clear navigation, professional design, and detailed product information targeting retail customers in Croatia. The domain age and registration details align with the bank's history and legitimacy, reinforcing trustworthiness. Technically, the site employs modern web technologies, CDNs, and analytics tools such as Google Tag Manager and Google Analytics, ensuring a robust infrastructure with good performance and mobile optimization. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, although some security headers and explicit security policies could be enhanced. Overall, the site demonstrates high professionalism, compliance with GDPR, and a strong business credibility profile.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

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

      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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

      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

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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
75
Email security
70
DNS health
90
Network security
100
GDPR outside view
25
Average
70

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

PBZ holds a leading position in the Croatian banking sector, supported by its parent company Intesa Sanpaolo Group. The bank's business model focuses on retail banking services with a broad product portfolio catering to individuals and young customers. The website's content and structure indicate a customer-centric approach with digital banking innovations and comprehensive support channels. The presence of detailed terms of service, privacy, and cookie policies reflects regulatory compliance and customer trust focus. The bank leverages partnerships and CDNs for content delivery and customer engagement tools like Vivocha for chat support. The absence of explicit vulnerability disclosure or incident response information suggests an area for improvement in transparency. Overall, PBZ's digital footprint supports its market position and growth strategy in Croatia.

Security posture

The website enforces HTTPS with a valid SSL configuration, uses cookie consent mechanisms aligned with GDPR, and avoids exposing sensitive data in the HTML content. Security best practices such as asynchronous script loading and use of trusted CDNs are observed. However, explicit security headers like Content-Security-Policy and security.txt files are not detected, and no incident response or vulnerability disclosure contacts are published. The site does not show signs of vulnerabilities or malicious content. The security score is strong but could be improved by adding explicit security policies and enhancing header configurations. Overall, the security posture is mature and suitable for a financial institution's public website.

Recommendations

  1. Implement a Content-Security-Policy header to mitigate XSS and related attacks.
  2. Publish a security.txt file to facilitate vulnerability reporting and improve transparency.
  3. Add explicit incident response contact information or dedicated security contact channels.
  4. Enhance security headers such as X-Content-Type-Options and X-Frame-Options if not already set at server level.
  5. Regularly audit third-party scripts and dependencies to ensure no vulnerabilities are introduced.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Privredna banka Zagreb
Description
Privredna banka Zagreb offers banking services for citizens including accounts, cards, loans, savings, and digital banking.
Key services
Current accounts, Debit and credit cards, Housing and consumer loans, Savings products, Digital banking services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Modernizr, Cloudinary CDN, Bootstrap (implied by classes), Apple Business Chat
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular options
  • No exposed sensitive data in HTML
  • Use of async scripts to improve load
  • No inline scripts with sensitive data

Analytics and tracking

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

Advertising

Marketing tools
Vivocha (customer engagement/chat)
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 mechanism implemented
  3. Clear navigation with detailed product and service offerings
  4. Use of modern web technologies and CDNs
  5. No signs of blocking or WAF challenges
  6. Contact information is clearly provided with multiple channels
  7. No explicit privacy or security policy pages found in the main HTML but linked pages exist
  8. No visible security.txt or vulnerability disclosure policy
  9. No suspicious or malicious content detected
Technical notes

Notes

The website uses a modern JavaScript-based front-end with chunked scripts and lazy loading for images, improving performance and user experience. Google Tag Manager and Google Analytics are integrated for analytics and marketing purposes. The site is mobile-optimized and accessible, with skip links and ARIA attributes present. Hosting details are not explicit but domain registration via CARNET indicates Croatian hosting or at least domain management. Performance is moderate with good use of CDNs like Cloudinary and static.cdn-apple.com. The site lacks explicit CMS identification but uses custom templating modules. Overall, the technical infrastructure is solid with room for minor improvements in security headers and explicit documentation.
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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