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Is procreditbank.ba a Scam? Security Check Results - ProCredit Bank d.d. Sarajevo

procreditbank.ba Security Report Summary

procreditbank.ba received a security score of 71 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers ProCredit Bank d.d. Sarajevo's website security posture. ProCredit Bank d.d. Sarajevo operates in the Finance industry in Bosnia and Herzegovina.

ProCredit Bank d.d. Sarajevo is a German-owned financial institution operating in Bosnia and Herzegovina, specializing in retail and SME banking with a strong focus on sustainability and digital innovation. The bank offers a comprehensive range of services including current accounts, savings, loans, and digital banking platforms such as ProBanking and mobile applications. Their market position is strengthened by transparent business ethics, ISO certifications, and a commitment to green financing. Technically, the website is built on modern frameworks like Next.js and React, hosted on Vercel, ensuring fast performance and mobile optimization. Security posture is robust with HTTPS, security headers, and secure forms, complemented by an incident response mechanism via whistleblowing. However, the absence of a cookie consent mechanism and vulnerability disclosure page are notable compliance gaps. Overall, the bank demonstrates a high level of professionalism, trustworthiness, and digital maturity.

The security scan identified 24 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Next.js, Vercel Analytics, Google Tag Manager, Facebook Pixel.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is procreditbank.ba Safe? Security Analysis for ProCredit Bank d.d. Sarajevo

https://procreditbank.ba

Check if procreditbank.ba is a scam or legitimate. Free security scan and reviews.

FinanceBosnia and Herzegovinamedium
ReactNext.jsVercel AnalyticsGoogle Tag ManagerFacebook Pixel
Analyzed 7/24/2025Completed 9:21:47 AM8mo ago
71
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainprocreditbank.ba
Access tierFull report or marketing add-on

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VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

ProCredit Bank d.d. Sarajevo is a German-owned financial institution operating in Bosnia and Herzegovina, specializing in retail and SME banking with a strong focus on sustainability and digital innovation. The bank offers a comprehensive range of services including current accounts, savings, loans, and digital banking platforms such as ProBanking and mobile applications. Their market position is strengthened by transparent business ethics, ISO certifications, and a commitment to green financing. Technically, the website is built on modern frameworks like Next.js and React, hosted on Vercel, ensuring fast performance and mobile optimization. Security posture is robust with HTTPS, security headers, and secure forms, complemented by an incident response mechanism via whistleblowing. However, the absence of a cookie consent mechanism and vulnerability disclosure page are notable compliance gaps. Overall, the bank demonstrates a high level of professionalism, trustworthiness, and digital maturity.

Detected Technologies

ReactNext.jsVercel AnalyticsGoogle Tag ManagerFacebook Pixel

10 urgent findings need attention

10 high

  • + 2 more findings in the full report below
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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

2 findings

75/100

GDPR Compliance

4 findings

35/100

NIS2 Compliance

7 findings

25/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

The bank targets individuals, small entrepreneurs, and SMEs in Bosnia and Herzegovina, leveraging its German parentage to offer reliable and sustainable banking solutions. Its business model integrates traditional banking with digital services and green finance products, positioning it as a leader in sustainable banking in the region. The company maintains a strong partnership ecosystem, including internal dashboards and digital platforms. Growth indicators include active social media engagement and continuous investment in employee development. The bank's transparent communication and ethical standards enhance its competitive advantage and market trust.

Security Posture Analysis

Comprehensive Security Assessment

ProCredit Bank exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and secure data handling practices. The presence of a whistleblowing contact indicates readiness for incident reporting and ethical compliance. No vulnerabilities or exposed sensitive data were detected in the website content. However, the lack of a public vulnerability disclosure policy and cookie consent mechanism suggests areas for improvement in compliance and transparency. Overall, the bank maintains strong security practices aligned with industry standards.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement a visible cookie consent banner to ensure GDPR compliance and user awareness.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

ProCredit Bank d.d. Sarajevo

Description:

ProCredit Bank is a German-owned bank operating in Bosnia and Herzegovina, focused on providing banking services to individuals, small businesses, and SMEs with an emphasis on transparency, sustainability, and digital banking solutions.

Key Services:
Current accountsSavings and depositsLoans and credit linesDigital banking (ProBanking, mobile app)Green financing products
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsVercel AnalyticsGoogle Tag ManagerFacebook Pixel
Frameworks:
Next.js
Platforms:
Vercel
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • Security headers present
  • No exposed sensitive data in HTML
  • Secure forms with validation
  • Whistleblowing and incident response contact

Analytics & Tracking

Services:
Vercel AnalyticsGoogle Tag ManagerFacebook Pixel
Tracking Level:moderate
Privacy Compliance:basic

Advertising & Marketing

Tracking Pixels:
Facebook Pixel
Marketing Tools:
Facebook Pixel
Transparency Level:basic

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content and no blocking detected

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

75/100
Score

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

35/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, LinkedIn, YouTube

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

25/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:spf.protection.outlook.com mx ip4:80.65.163.162/28 ip4:77.221.0.85 -all
DNS Lookups:2/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:quarantine
Aggregate Reports:no-reply@procreditbank.ba
Forensic Reports:no-reply@procreditbank.ba

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 55 days

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:76.76.21.21
Name Servers:
dns-srv-01.lol.baDNS only
dns-srv-02.lol.baDNS only
MX Records:
5: titan.procreditbank.ba
SOA:Serial: 2025070304, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:88ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com mx ip4:80.65.163.162/28 ip4:77.221.0.85 -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does procreditbank.ba compare?

See how procreditbank.ba stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website leverages a modern technology stack including React and Next.js, hosted on Vercel, which provides excellent performance and scalability. The site is mobile-optimized and accessible, with good SEO practices evident in meta tags and structured data. The use of analytics and marketing tools like Google Tag Manager and Facebook Pixel is moderate and well integrated. No technical debt or outdated libraries were detected. Opportunities exist to further enhance privacy compliance and security transparency.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainprocreditbank.ba
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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