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Security report for sparkasse.ba

Sparkasse Bank d.d. Bosna i Hercegovina · Finance · Bosnia and Herzegovina

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

75/100

Risk levelMedium

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

Sparkasse Bank d.d. Bosna i Hercegovina operates a professional and comprehensive retail banking website targeting private individuals in Bosnia and Herzegovina. The site offers a wide range of banking products including accounts, loans, cards, savings, insurance, and e-banking services. The bank is part of the Erste Group, a reputable financial institution, which enhances its market credibility and trustworthiness. The website is well-branded, consistent, and provides clear navigation and contact information, supporting a positive user experience. From a technical perspective, the website employs modern web technologies including Google Analytics, Facebook Pixel, and a proprietary CMS platform (Gem). It is optimized for both desktop and mobile devices with good accessibility and SEO practices. The site uses HTTPS and includes cookie consent mechanisms, indicating a baseline level of privacy compliance. However, explicit privacy policies and terms of service were not found on the analyzed page, suggesting room for improvement in transparency. Security posture is solid with HTTPS enforced and no visible vulnerabilities or exposed sensitive data. Security headers are implied but not explicitly visible in the HTML content. The absence of a published security policy or incident response information limits the transparency of the bank's security practices. No vulnerability disclosure or security.txt file was detected. Overall, the website presents a low-risk profile with strong business credibility and technical implementation. Strategic recommendations include publishing comprehensive privacy and security policies, implementing a vulnerability disclosure program, and enhancing transparency around data protection and incident response to further strengthen trust and compliance.

Scanned

This is an earlier scan of sparkasse.ba. View the latest report

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

6 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 X-Frame-Options header

      Prevents clickjacking attacks

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

  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 sparkasse.ba

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.

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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
77
Security headers
65
Email security
85
DNS health
85
Network security
100
GDPR outside view
35
Average
75

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

Sparkasse Bank d.d. BiH is positioned as a leading retail bank in Bosnia and Herzegovina, serving private individuals with a broad portfolio of financial products. Its affiliation with Erste Group provides competitive advantages including brand recognition and financial stability. The bank's business model focuses on traditional banking services complemented by digital channels such as e-banking and mobile banking. Revenue streams likely include account fees, loan interest, card services, and insurance products. The website reflects a mature digital presence with clear segmentation of customer needs and product offerings. Partnerships with Erste Group and use of third-party analytics and chat services indicate a well-integrated ecosystem. Growth indicators include diverse product packages and targeted services for different customer segments such as students, pensioners, and VIP clients.

Security posture

The security maturity level of the website is moderate to high. HTTPS is enforced, and cookie consent is implemented, demonstrating compliance with basic security and privacy standards. No critical vulnerabilities or exposed sensitive information were detected in the HTML content. However, the lack of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms indicates gaps in security transparency and readiness. The use of third-party scripts such as Google Analytics and Facebook Pixel introduces potential privacy considerations but is common in the industry. Recommendations include publishing detailed security policies, establishing clear incident response channels, and adopting a security.txt file to facilitate responsible vulnerability reporting. Overall, the site shows good security hygiene but could improve in communication and compliance documentation.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service accessible from the main navigation or footer.
  2. Implement and publicize a security policy and incident response plan including contact channels for security issues.
  3. Add a security.txt file to enable vulnerability disclosure and improve security transparency.
  4. Ensure all security headers are explicitly configured and visible to enhance protection against common web attacks.
  5. Regularly audit third-party scripts and tracking tools to minimize privacy risks and comply with GDPR.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Bank d.d. Bosna i Hercegovina
Description
Sparkasse Bank d.d. BiH offers banking products and services including accounts, loans, cards, savings, insurance, and e-banking targeted at private individuals.
Key services
Current accounts, Savings accounts, Loans (housing, consumer, cash), Credit and debit cards, Insurance products, E-banking (mBanking, netBanking), Payment services
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Facebook Pixel, LiveChat by Infobip, Erste Group CMS (Gem), ElasticSearch (search), Modern JavaScript modules
Frameworks
Gem CMS framework
Platforms
Web desktop and mobile
Performance
moderate
Mobile
good
Accessibility
good
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 external scripts

Analytics and tracking

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

Advertising

Tracking pixels
Facebook Pixel
Marketing tools
LiveChat by Infobip
Transparency
basic

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. Content is relevant to retail banking customers in Bosnia and Herzegovina.
  3. Use of modern web technologies and analytics tools.
  4. Cookie consent and basic privacy mechanisms are implemented.
  5. No explicit privacy policy or terms of service found on the analyzed page.
  6. Contact information is clearly presented with phone number and contact page links.
  7. No visible security policy or incident response information.
  8. No vulnerability disclosure or security.txt found.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on a proprietary CMS platform (Gem) used by Erste Group, leveraging modern JavaScript modules and asynchronous loading for performance optimization. It integrates Google Analytics and Facebook Pixel for user behavior tracking and marketing analytics. The site is hosted on Erste Group's CDN infrastructure, ensuring reliable delivery and scalability. Mobile optimization and accessibility features are well implemented, supporting a broad user base. Performance is moderate, with room for improvement in load times and resource optimization. The technical stack is stable and appropriate for a financial institution, but continuous monitoring and updates are recommended to mitigate risks associated with third-party dependencies.
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

Earlier scans of this domain

  1. 78/100Low25 findingsView report
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sparkasse.ba security report: 75/100, medium risk | Guard