Is sparkasse.ba Safe? Security Analysis for Sparkasse Bank d.d. Bosna i Hercegovina
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Below Finance avg (78)
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SEQ SIA
Lastadijas 12 k-3, Riga, Latvia, LV-1050
Reg. No. 40203410806 • VAT LV40203410806
Support: guard@offseq.com • +371 2256 5353
AI Summary
Sparkasse Bank d.d. Bosna i Hercegovina is a prominent retail banking institution operating in Bosnia and Herzegovina, offering a wide range of financial products including accounts, loans, cards, savings, insurance, and e-banking services. The bank is part of the Erste Group, a well-established financial group in Central and Eastern Europe, which reinforces its market position and credibility. The website targets retail customers seeking banking solutions and provides clear navigation to various banking products and services. Technically, the website employs modern web technologies such as Google Analytics, Tag Manager, and LiveChat, hosted on a robust CMS platform (GEM by Erste Group), ensuring good performance and mobile responsiveness. Security-wise, the site enforces HTTPS, uses standard security headers, and implements cookie consent mechanisms, reflecting a mature security posture. No critical vulnerabilities or blocking mechanisms were detected, and the WHOIS data confirms the domain's legitimacy and consistency with the bank's identity. Overall, the site demonstrates a professional, secure, and user-friendly digital presence aligned with industry best practices.
Detected Technologies
9 urgent findings need attention
9 high
- + 1 more findings in the full report below
Keep sparkasse.ba under constant watch
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
4 findings
65/100
GDPR Compliance
3 findings
50/100
NIS2 Compliance
8 findings
17/100
Email Security
4 findings
85/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
The bank operates in the finance sector with a focus on retail banking services in Bosnia and Herzegovina. Its business model revolves around providing comprehensive banking products such as current and savings accounts, consumer and mortgage loans, credit and debit cards, insurance, and digital banking platforms. The website reflects a strong market position supported by Erste Group's backing. The bank targets individual customers, including employees, students, pensioners, and VIP clients, offering tailored packages and credit products. The presence of multiple product packages and specialized loan offerings indicates a diversified revenue stream. The partnership ecosystem includes Erste Group and technology providers like Infobip and iProm for customer engagement and analytics. The website's content and navigation structure support customer acquisition and service delivery effectively.
Security Posture Analysis
Comprehensive Security Assessment
The website exhibits a solid security posture with enforced HTTPS, comprehensive security headers (HSTS, CSP, X-Frame-Options, etc.), and cookie consent compliance. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The use of third-party scripts is controlled, and no suspicious domains or malware indicators were found. However, explicit security policies and incident response contacts are not publicly available, which could be improved. The absence of a vulnerability disclosure policy or security.txt file is noted. Overall, the site aligns well with GDPR and industry security standards but could enhance transparency around security governance and incident handling.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy page detailing security practices and compliance.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Sparkasse Bank d.d. Bosna i Hercegovina
Sparkasse Bank d.d. BiH offers banking products and services including accounts, loans, cards, savings, insurance, and e-banking for retail customers.
good
consistent
Technical Stack
moderate
good
good
good
Security Assessment
- HTTPS enforced
- Cookie consent with opt-in
- No exposed sensitive data in HTML
- Use of security headers
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and well-structured.
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook, LinkedIn, YouTube
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider 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
Strict DMARC Alignment
LOWStrict alignment may cause legitimate emails to fail
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
How does sparkasse.ba compare?
See how sparkasse.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
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
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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