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Security report for raiffeisen.al

Raiffeisen Bank International · Finance · Albania

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

Security score

57/100

Risk levelMedium

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

Raiffeisen Bank Albania is a major financial institution offering a wide range of retail and corporate banking services, including loans, credit cards, savings, and digital banking platforms. The website is professionally designed, content-rich, and targets Albanian retail customers, SMEs, and corporate clients. Technically, the site uses modern frameworks such as Vue.js and Adobe Experience Manager, with integrations for analytics and marketing tools. However, a critical security issue is the invalid or missing SSL certificate, which undermines the security posture despite good security headers and policies. Privacy compliance is strong with clear cookie consent and GDPR-aligned privacy policies. Overall, the website is trustworthy and credible but requires urgent SSL remediation to ensure secure user interactions.

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. 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

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

      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

    • 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

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

Keep watching raiffeisen.al

This scan found 14 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

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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
80
Email security
50
DNS health
85
Network security
100
GDPR outside view
25
Average
57

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 bank operates in the Albanian finance sector as part of the Raiffeisen Bank International group, with subsidiaries in investment and leasing. It offers comprehensive banking products tailored for individuals, SMEs, and corporates, supported by advanced digital platforms like Raiffeisen ON and RaiYouth. The presence of multiple social media channels and detailed product information indicates a mature digital marketing strategy. The domain and DNS configurations align with legitimate banking operations, reinforcing business credibility.

Security posture

While the website implements several security best practices such as strict content security policies, frame options, and permissions policies, the lack of a valid SSL certificate is a critical vulnerability that severely impacts user trust and data security. No known vulnerabilities or malware were detected. Incident response and security policy information are not explicitly provided, which could be improved to enhance transparency and readiness.

Recommendations

  1. Immediately obtain and deploy a valid SSL certificate to enable HTTPS and protect user data.
  2. Enable full HSTS with includeSubDomains and preload to enforce secure connections.
  3. Publish a security policy and incident response contact information to improve transparency.
  4. Implement a security.txt file to facilitate vulnerability disclosures.
  5. Regularly audit third-party scripts and tracking tools to minimize security risks.

Contact details published on the site

Addresses
Legal name
Raiffeisen Bank Albania Sh.a
Technical notes

Notes

The website is built on Adobe Experience Manager CMS with Vue.js frontend components, leveraging CDNs like Cloudfront and Fastly for content delivery. It integrates multiple marketing and analytics tools including Google Tag Manager, Mouseflow, Adjust, and OneTrust for cookie management. The site is mobile-optimized and accessible with good SEO practices. Performance data is unavailable, but the use of modern tech suggests moderate to good performance. The invalid SSL certificate is a major technical risk that must be addressed to avoid user data exposure and browser warnings.
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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