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Security report for permanenttsbgroup.ie

Permanent TSB Group Holdings plc · Finance · Ireland

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

56/100

Risk levelMedium

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

Permanent TSB Group Holdings plc operates as a leading financial institution in Ireland, providing retail and SME banking services. The company holds a significant market position with a 16.4% mortgage market share as of December 2024. Their website reflects a professional corporate presence focused on investor relations, governance, and sustainability. The business model centers on personal and business banking, supported by subsidiaries such as Permanent TSB plc and PTSB Asset Finance. The target audience primarily includes retail and SME customers within Ireland.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

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 permanenttsbgroup.ie

This scan found 21 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
0
Security headers
70
Email security
60
DNS health
65
Network security
100
GDPR outside view
43
Average
56

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

The company is well-positioned in the Irish financial sector, with clear investor communication channels and a strong regulatory compliance posture. Their digital presence integrates modern web technologies and third-party investor tools, indicating a mature digital infrastructure. Partnerships with Investis and IDX suggest a robust ecosystem supporting corporate communications and web delivery. The absence of direct contact emails but presence of contact forms and dedicated pages aligns with standard corporate practices for security and privacy.

Security posture

The website enforces HTTPS and employs cookie consent mechanisms aligned with GDPR requirements. While no explicit security or incident response policies are published, the site avoids exposing sensitive data and uses reputable third-party scripts. Security headers are not explicitly detected in the HTML, representing an area for improvement. No vulnerabilities or outdated libraries were identified. Overall, the security posture is solid but could benefit from enhanced transparency and additional security headers.

Recommendations

  1. Implement and publish a formal security policy and incident response contact details.
  2. Add security headers such as Content Security Policy, HSTS, and X-Frame-Options to enhance protection.
  3. Introduce a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Regularly review and update third-party scripts to mitigate supply chain risks.
  5. Enhance user trust by providing more visible contact information and security assurances.

Contact details published on the site

Addresses
Legal name
Permanent TSB Group Holdings plc
Registration number
474438
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Permanent TSB Group Holdings plc
Description
Permanent TSB Group Holdings is a leading provider of Retail and SME banking in the Irish Market.
Key services
Personal banking, Business banking, SME banking, Debt investor relations, Shareholder services
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.6.0, jQuery UI 1.13.2, Slick Carousel 1.8.1, Font Awesome 6.5.2, Google Tag Manager, Investis Digital Cookie Manager, Cloudflare Insights beacon
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced (canonical link uses https)
  • Use of Google Tag Manager with opt-in for performance cookies
  • Cookie consent mechanism with granular control
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Tag Manager, Cloudflare Insights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Cloudflare Insights
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong focus on investor relations and corporate governance.
  3. Comprehensive cookie consent and privacy mechanisms implemented.
  4. No critical security issues or vulnerabilities detected.
  5. Use of modern JavaScript libraries and CDN-hosted assets.
  6. Social media presence is active and linked in footer.
  7. No contact emails explicitly listed in HTML; contact via forms and pages.
  8. No explicit security or incident response policies found on site.
Technical notes

Notes

The website uses a modern technology stack including jQuery, jQuery UI, Slick Carousel, and Font Awesome, served via reputable CDNs. Google Tag Manager and Cloudflare Insights are used for analytics and performance monitoring. The CMS appears to be Sitecore, supported by Investis digital tools. Performance is moderate with good mobile optimization and accessibility features. The site structure and navigation are clear and user-friendly, supporting a positive user experience. Opportunities exist to optimize security headers and further improve performance metrics.
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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