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Security report for pnb.com.ph

Philippine National Bank · Finance · Philippines

Medium risk. 8 critical or high findings in Email security, DNS health and 3 other checks.

Security score

58/100

Risk levelMedium

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

Philippine National Bank (PNB) is a major financial institution in the Philippines offering a broad range of banking services including personal, corporate, and digital banking. The website reflects a well-established brand with a clear market position as one of the largest banks in the country. Key services include loans, credit cards, foreign exchange, and trust banking. The target audience includes individual customers, corporate clients, and Filipinos abroad. The website content is professionally presented with good navigation and mobile optimization. Technically, the site uses a modern technology stack including Bootstrap, jQuery, Google Analytics, Google Tag Manager, Facebook Pixel, and FullStory for analytics and user experience monitoring. It is built on WordPress CMS and hosted with secure HTTPS configuration. Performance is moderate with good SEO and basic accessibility features. From a security perspective, the website enforces HTTPS and implements cookie consent mechanisms. No critical vulnerabilities or exposed sensitive data were detected. However, there is no published formal security policy or incident response plan, and security headers are not explicitly observed. Privacy compliance is basic with a comprehensive privacy policy and cookie policy present but no explicit GDPR compliance indicators. Overall, the website is trustworthy and professional with strong business credibility. Strategic improvements in security policy transparency, incident response readiness, and accessibility would enhance the security posture and compliance maturity.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
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

8 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  2. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • Critical

      DNS Resolution Failed

      Unable to resolve domain A records

      What to do: Verify domain is properly configured and not expired

  3. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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

Keep watching pnb.com.ph

This scan found 25 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

€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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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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
15
Email security
60
DNS health
45
Network security
100
GDPR outside view
68
Average
58

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

PNB holds a strong market position as a leading Philippine bank with a diversified product portfolio serving retail and corporate clients. The business model focuses on full-service banking with digital transformation initiatives evident from the digital banking enrollment and mobile application promotions. Revenue streams likely include interest income, fees from credit cards, loans, foreign exchange, and trust services. The company maintains active social media engagement and publishes corporate governance and sustainability information, indicating a mature organizational structure. Partnerships with regulatory bodies and remittance services support its ecosystem. Growth indicators include recent awards and trust assets surpassing significant milestones. The website content and structure support a customer-centric approach with clear calls to action and service accessibility.

Security posture

The security maturity level is moderate to good. HTTPS is enforced site-wide, and cookie consent is implemented, reflecting awareness of privacy and security best practices. The use of reputable analytics and tracking services is controlled with consent mechanisms. However, the absence of explicit security headers such as Content-Security-Policy and Strict-Transport-Security reduces defense-in-depth. No vulnerability disclosure or security.txt file is present, limiting transparency for security researchers. Incident response contact channels are not published, which may delay handling of security incidents. No exposed credentials or sensitive data were found, and forms appear secure. Compliance with GDPR is not explicitly stated, which may be relevant for international users. Overall, the site demonstrates a solid baseline security posture but would benefit from enhanced transparency and technical controls.

Recommendations

  1. Publish a formal security policy and incident response plan accessible on the website.
  2. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  3. Create and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Provide contact details for a Data Protection Officer or security team to improve incident response readiness.
  5. Enhance accessibility features to meet recognized standards and improve user inclusivity.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Philippine National Bank
Description
Philippine National Bank is one of the largest banks in the country with a wide array of competitive banking products.
Key services
Personal Banking, Corporate Banking, Digital Banking, Loans, Credit Cards, Foreign Exchange, Investment Services, Trust Banking
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap, jQuery, Popper.js, Google Analytics, Google Tag Manager, Facebook Pixel, FullStory
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner implemented
  • No exposed sensitive data in HTML
  • Use of secure analytics and tracking scripts

Analytics and tracking

Services
Google Analytics, FullStory, Facebook Pixel
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Facebook Pixel, FullStory
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 with consistent branding
  2. Comprehensive banking services offered with clear navigation
  3. Mobile optimized with responsive design
  4. Cookie consent and privacy policy present and accessible
  5. No critical security issues detected
  6. Use of modern analytics and marketing tools
  7. Contact information is clearly provided with multiple channels
  8. No terms of service page explicitly found
  9. No explicit security policy or incident response information published
Technical notes

Notes

The website is built on WordPress CMS with a Bootstrap-based responsive design, ensuring good mobile optimization. It uses modern JavaScript libraries and analytics tools such as Google Analytics, Google Tag Manager, Facebook Pixel, and FullStory for user behavior tracking and marketing. The site loads external resources from reputable CDNs and cloud storage (AWS S3). Performance is moderate, with potential for optimization in loading speed and accessibility. The HTML structure is valid and SEO optimized with proper meta tags and Open Graph data. Technical risks are low but could be mitigated further by updating security headers and improving privacy compliance disclosures.
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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