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Security report for rb.me

Razvojna banka Crne Gore A.D. · Finance · Montenegro

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

68/100

Risk levelMedium

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

Razvojna banka Crne Gore A.D. is a government-related development bank focused on supporting sustainable projects and investments to improve the standard of living and reduce unemployment in Montenegro. The website presents a professional image with clear information about credit programs targeting various sectors such as agriculture, tourism, infrastructure, and entrepreneurship. The technical infrastructure is modern, leveraging Angular framework, Font Awesome icons, Google Fonts, and analytics tools like Google Tag Manager and Ahrefs Analytics. Security posture is solid with HTTPS enforced, but lacks visible security headers and formal privacy or incident response policies. Overall, the website is trustworthy and well-positioned as a key financial institution in Montenegro.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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

7 findings rated critical or high. Fix these first.

  1. 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 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';…

  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

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

Keep watching rb.me

This scan found 19 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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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
75
Security headers
55
Email security
70
DNS health
75
Network security
100
GDPR outside view
35
Average
68

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 as an essential financial entity in Montenegro, providing targeted credit programs to startups, SMEs, agricultural producers, women entrepreneurs, and municipalities. Its business model centers on development financing with a focus on priority sectors. The website content and structure indicate a medium-sized organization with a strong governmental affiliation. The absence of public WHOIS data is typical for such institutions, and the presence of official branding and structured loan offerings supports credibility. The bank's market position is that of a key enabler for economic growth in Montenegro.

Security posture

The website employs HTTPS and uses modern web technologies, but lacks several security best practices such as security headers (CSP, X-Frame-Options, etc.) and published security policies. No vulnerabilities or exposed sensitive data were detected in the HTML content. The absence of incident response and vulnerability disclosure information suggests room for improvement in transparency and readiness. Privacy compliance is weak due to missing privacy and cookie policies, which is a notable gap given the financial nature of the institution.

Recommendations

  1. Implement and publish comprehensive privacy and cookie policies with user consent mechanisms to improve GDPR compliance.
  2. Add security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  3. Publish a security incident response plan and vulnerability disclosure policy to increase transparency and trust.
  4. Enhance accessibility features to meet standards and improve user experience for all visitors.
  5. Regularly audit third-party scripts and analytics tools to ensure no vulnerabilities or privacy risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Razvojna banka Crne Gore A.D.
Description
Podržavamo održive projekte i investicije za bolji standard građana i manju nezaposlenost u Crnoj Gori.
Key services
Investment loans, Development loans, Support for agriculture, tourism, infrastructure, and entrepreneurship
Content quality
good
Branding
consistent

Technology

Stack
Angular 16, Font Awesome 6, Google Fonts, Google Tag Manager, Ahrefs Analytics
Frameworks
Angular
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager, Ahrefs Analytics
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
Ahrefs Analytics
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is focused on financial services and development banking in Montenegro.
  3. No explicit privacy or cookie policies found on main pages.
  4. WHOIS data is unavailable publicly, indicating privacy protection.
  5. Use of modern web technologies and analytics tools.
  6. No suspicious or malicious content detected.
  7. Contact information is present but no direct emails found in HTML.
  8. No visible security policy or incident response information.
  9. Good mobile responsiveness and navigation clarity.
Technical notes

Notes

The website is built using Angular 16, with Font Awesome 6 for icons and Google Fonts for typography, indicating a modern frontend stack. Google Tag Manager and Ahrefs Analytics are used for tracking and SEO analysis. The site is mobile responsive with good navigation clarity and performance rated as moderate. No CMS or hosting provider details were identified from the HTML content. The site uses optimized images and structured content modules, reflecting a well-maintained technical infrastructure. However, the lack of visible security headers and privacy policies indicates some technical debt in security and compliance areas.
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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