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Security report for unicredit.ba

UniCredit Bank · Finance · Bosnia and Herzegovina

Partial score · DNS & email only

61/100

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

UniCredit Bank Bosnia and Herzegovina operates a professional and comprehensive retail banking website offering a wide range of financial products including loans, savings, digital banking, and insurance. The bank is part of the UniCredit Group, a well-established international banking group, which is reflected in consistent branding and domain registration data. The website demonstrates a mature digital infrastructure with modern technologies such as Adobe Experience Manager CMS, Adobe Analytics, and Tealium tag management, supporting a good user experience and mobile optimization. Security measures include HTTPS enforcement and Content Security Policy headers, although some improvements in header strictness are recommended. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Contact information is transparent and includes multiple channels such as phone, email, and online forms. Overall, the website is trustworthy, professionally maintained, and suitable for general audiences.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
Checks completed
6of 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

4 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

      Third-party services without privacy policy

      Detected services: 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 unicredit.ba

This scan found 11 issues across 5 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
Email security
70
DNS health
85
Network security
100
GDPR outside view
50
Average
61

Not counted

  • Security headers: did not complete in this scan.
  • 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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention unicredit.ba, from OffSeq Breach.

No leaked records found

Breach holds no records for unicredit.ba right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

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 targets individual consumers in Bosnia and Herzegovina, providing essential retail banking services with a focus on digital transformation. Its business model leverages both physical branches and digital channels, including mobile and internet banking. The presence of multiple loan products, savings options, and insurance services indicates a diversified revenue stream. The website's integration with UniCredit Group domains and services suggests strong corporate backing and a stable market position. The bank actively engages customers through social media and provides comprehensive customer support. The digital maturity and security posture support a competitive advantage in the local banking sector.

Security posture

The website exhibits a solid security foundation with HTTPS and a Content Security Policy that restricts object sources and allows only secure origins. The use of service workers indicates advanced web capabilities but requires careful security management. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the CSP includes 'unsafe-eval' and 'unsafe-inline', which could be tightened to reduce risk. Additional security headers like X-Frame-Options and Referrer-Policy are not evident and should be implemented. No explicit incident response or security policy pages were found, which could be improved to enhance transparency and readiness. Overall, the security posture is good but can be enhanced with stricter policies and documented incident response.

Recommendations

  1. Remove or restrict 'unsafe-eval' and 'unsafe-inline' in Content Security Policy to enhance script security.
  2. Add additional security headers such as X-Frame-Options, Referrer-Policy, and X-XSS-Protection.
  3. Publish a dedicated security policy and incident response information to improve transparency and customer trust.
  4. Regularly audit third-party scripts and dependencies to mitigate vulnerabilities.
  5. Enhance accessibility features and continue improving mobile optimization for broader user inclusion.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
UniCredit Bank
Description
UniCredit Bank offers a wide range of banking products and services for individuals including loans, savings, digital banking, insurance, and payment cards.
Key services
Gotovinski krediti (Cash loans), Stambeni krediti (Mortgage loans), Namjenski krediti (Purpose loans), Kreditne kartice (Credit cards), Računi i dopušteno prekoračenje (Accounts and overdrafts), Paket računi (Account packages), Debitne kartice (Debit cards), Štednja (Savings products), Digitalne usluge (Mobile and Internet banking), Osiguranje (Insurance products)
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, Bootstrap, Adobe Analytics, Tealium Tag Management, Service Workers
Frameworks
Bootstrap
Platforms
Web browsers (Chrome, Edge, Firefox supported)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy present
  • No object-src allowed
  • Service Worker registered for offline support
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Adobe Analytics, Tealium
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics, Tealium
Marketing tools
Tealium Tag Management, Adobe Analytics
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 maintained by UniCredit Bank Bosnia and Herzegovina
  2. Comprehensive banking product offerings for retail customers
  3. Strong digital presence with mobile banking apps and online banking portals
  4. Good security posture with HTTPS and CSP headers
  5. Clear contact information and customer support channels
  6. Active social media and customer engagement
  7. No signs of suspicious or malicious activity
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, utilizing modern JavaScript libraries including jQuery and Bootstrap for responsive design. Analytics and tag management are handled via Adobe Analytics and Tealium, indicating a sophisticated marketing and data collection setup. Service workers are used for offline capabilities, enhancing user experience. The site is mobile optimized with responsive images and adaptive navigation. Performance is moderate, with potential for improvement in loading speed and resource optimization. The technical implementation is robust, supporting a professional banking service with room for modernization in security headers and performance tuning.
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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