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Security report for sparkasse-bank-malta.com

Sparkasse Bank Malta plc · Finance · Malta

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

57/100

Risk levelMedium

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

Sparkasse Bank Malta plc is a well-established financial institution based in Malta, offering a range of banking and investment services primarily targeting corporate clients, professional investors, and private customers. The website reflects a professional and consistent brand image, emphasizing their 25 years of operation and regulatory compliance under the Malta Financial Services Authority. Their key services include corporate banking, depositary and custody services, investment advisory, and liquidity management products. The digital presence is supported by modern technologies such as Kentico CMS, Bootstrap, jQuery, and Cookiebot for privacy compliance, alongside Google Analytics for user insights. Technically, the website is well-structured with good mobile optimization, accessibility, and SEO practices. Security measures include HTTPS enforcement, CSRF protection, and session management cookies, although explicit security headers and incident response policies are not publicly documented. The cookie consent mechanism is comprehensive and GDPR compliant, enhancing user privacy transparency. Overall, the security posture is solid with no evident vulnerabilities or suspicious indicators. The domain registration details align with the business claims, reinforcing legitimacy. Strategic recommendations include enhancing security headers, publishing a security policy, and introducing a vulnerability disclosure program to further strengthen trust and compliance. This assessment positions Sparkasse Bank Malta plc as a credible and professional financial services provider with a mature digital infrastructure and a good privacy and security baseline, suitable for their market and regulatory environment.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

5 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

  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

  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 sparkasse-bank-malta.com

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

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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
15
Email security
85
DNS health
85
Network security
100
GDPR outside view
58
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

Sparkasse Bank Malta plc operates in the banking and finance sector with a focus on corporate and investment services. Their market positioning is that of a trusted Maltese bank with a 25-year history, regulated by the Malta Financial Services Authority. The business model revolves around relationship banking, custody and depositary services for investment funds, and liquidity management products. Revenue streams likely derive from banking fees, custody services, and investment advisory. The target customer segments include corporates, professional investors, and private clients. The partnership with sbm.services for online banking indicates a collaborative ecosystem. Growth indicators include the celebration of a 25th anniversary and a professional online presence. Strategic observations suggest a stable operation with opportunities to enhance security transparency and incident response readiness.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and use of anti-CSRF tokens and session cookies. The presence of a comprehensive cookie consent mechanism indicates GDPR compliance awareness. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security represents an area for improvement. No incident response or security contact information is published, which could hinder timely vulnerability reporting and mitigation. No vulnerabilities or exposed sensitive data were detected in the analysis. Overall, the security maturity is good but could benefit from formalized policies and enhanced header configurations to align with best practices and regulatory expectations.

Recommendations

  1. Implement and configure security headers including Content-Security-Policy, X-Content-Type-Options, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a dedicated security policy page outlining security practices and incident response procedures.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  4. Regularly audit third-party scripts and libraries to ensure no vulnerable components are included.
  5. Enhance transparency by providing contact channels specifically for security incidents and data protection inquiries.

Contact details published on the site

Addresses
Legal name
Sparkasse Bank Malta public limited company
Registration number
C27152
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Bank Malta plc
Description
Sparkasse Bank Malta plc aims to deliver personal, efficient and effective banking solutions supported by a highly skilled and dedicated team of bankers. Services include corporate banking, depositary and custody services, investment services, liquidity management accounts, and fixed term deposits.
Key services
Corporate Banking, Depositary and Custody Services, Investment Services, Liquidity Management Accounts, Fixed Term Deposits
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Cookiebot, Bootstrap, jQuery
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • CSRF protection cookie (__RequestVerificationToken)
  • Session management cookie (ASP.NET_SessionId)
  • Cookie consent mechanism

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Cookiebot session pixel, Cybersift pixel
Marketing tools
Cookiebot
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. Comprehensive cookie consent and privacy policy mechanisms are implemented.
  3. No explicit security policy or incident response contact found.
  4. No vulnerability disclosure or security.txt file present.
  5. Contact information is clearly provided with phone, address, and contact form.
  6. Use of reputable third-party services like Cookiebot and Google Analytics.
  7. No suspicious or malicious content detected.
  8. Domain registration details align well with the business claims.
Technical notes

Notes

The website is built on the Kentico CMS platform, utilizing Bootstrap and jQuery for responsive design and interactivity. Google Analytics is integrated for traffic analysis, and Cookiebot manages cookie consent and compliance. The site loads with moderate performance and good mobile optimization. The HTML and CSS are valid and well-structured, supporting accessibility standards. No major technical debt or deprecated technologies were identified. Hosting provider details are not explicitly available. The technical infrastructure supports a professional banking website with room for enhancements in security header implementation and incident response readiness.
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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