2009 Q4/UK Consumer Finance
INDEX Facts
- Completed date:
27 Nov 2009
- Total URLs tested:
247,536
- Total tests run:
80,786,472
- Total number of PDF's:
12,972
- URLs failing functional tests:
10.29%
- Pages failing code standards:
79.67%
- Pages missing a title:
2.19%
- Pages failing accessibility level A:
35.16%
- Pages failing accessibility level AA:
95.14%
- Poorest code quality:
Marks & Spencer Financial Services (http://www.marksandspencer.com/) - 176,154 failures
- Fastest average response time:
Altium Capital (http://www.altiumcapital.com/)
Accessibility and Performance rankings
This table reports the average response time we recorded when testing each site. A response time above 0.7 seconds can have a negative effect on user experience.
This table reports the percentage of pages on the sites we tested that passed automated WCAG 1.0 A and AA testing (0 means every page had an issue).
| Organisation | Avg. Response | Download (kB/s) |
|---|---|---|
| Only available for Qtr 4 2010 onwards | ||
| Organisation | A | AA |
|---|---|---|
| BM Solutions | 100.00 | 99.20 |
| Intelligent Finance | 100.00 | 98.80 |
| Birmingham Midshires Building Society | 100.00 | 96.00 |
| Julian Hodge Bank | 100.00 | 95.56 |
| Ecology Building Society | 100.00 | 82.24 |
| Cheshire Building Society | 100.00 | 80.00 |
| European Central Bank | 100.00 | 69.60 |
| Bradford & Bingley | 100.00 | 66.67 |
| Visa Europe | 100.00 | 64.80 |
| Daiwa Securities SMBC Europe | 100.00 | 56.00 |
| Ulster Bank | 100.00 | 52.00 |
| UKI Partnerships | 100.00 | 31.03 |
| Charterhouse Bank Limited | 100.00 | 27.68 |
| British Credit Trust | 100.00 | 8.80 |
| Cattles | 100.00 | 5.08 |
| M&S Money | 100.00 | 4.80 |
| Woolwich Building Society | 100.00 | 4.00 |
| Dresdner Kleinwort | 100.00 | 3.45 |
| Barclays Group | 100.00 | 0.80 |
| Financial Ombudsman Service | 100.00 | 0.80 |
| GE Life | 100.00 | 0.80 |
| Halifax Bank Of Scotland Group | 100.00 | 0.80 |
| APACS | 100.00 | 0.00 |
| Abbey National | 100.00 | 0.00 |
| Adam & Company Group | 100.00 | 0.00 |
| Amber Homeloans | 100.00 | 0.00 |
| Anglo Irish Bank | 100.00 | 0.00 |
| Bank Leumi (Jersey) Limited | 100.00 | 0.00 |
| Bank of Bermuda | 100.00 | 0.00 |
| Bank of Ireland Mortgages | 100.00 | 0.00 |
| Charles Stanley | 100.00 | 0.00 |
| Cheltenham & Gloucester | 100.00 | 0.00 |
| Chesham Building Society | 100.00 | 0.00 |
| Clegg Gifford Private Clients | 100.00 | 0.00 |
| Credit Suisse Group | 100.00 | 0.00 |
| Debt Free Direct Group | 100.00 | 0.00 |
| Derbyshire Building Society | 100.00 | 0.00 |
| Exeter Friendly Society | 100.00 | 0.00 |
| First Active | 100.00 | 0.00 |
| First Data International | 100.00 | 0.00 |
| HFC Bank | 100.00 | 0.00 |
| Islamic Bank of Britain | 100.00 | 0.00 |
| Isle of Man Bank Limited | 100.00 | 0.00 |
| John Charcol | 100.00 | 0.00 |
| KBC Peel Hunt | 100.00 | 0.00 |
| Lloyds TSB | 100.00 | 0.00 |
| London Stock Exchange | 100.00 | 0.00 |
| Monmouthshire Building Society | 100.00 | 0.00 |
| Mortgage Point | 100.00 | 0.00 |
| Mortgages plc | 100.00 | 0.00 |
| National Australia Bank | 100.00 | 0.00 |
| Purely Mortgages | 100.00 | 0.00 |
| SG Hambros Bank Limited | 100.00 | 0.00 |
| The Mortgage Business | 100.00 | 0.00 |
| UCB Home Loans | 100.00 | 0.00 |
| Volkswagen Financial Services | 100.00 | 0.00 |
| Welcome Finance | 100.00 | 0.00 |
| Westpac Banking Corporation UK | 100.00 | 0.00 |
| Leeds Building Society | 99.20 | 60.00 |
| Legal & General Bank | 99.20 | 4.00 |
| Nationwide Building Society | 99.20 | 0.80 |
| Portman | 99.20 | 0.80 |
| RBS Group | 99.20 | 0.80 |
| GMAC RFC | 99.20 | 0.00 |
| Incasso Debt Recovery | 99.20 | 0.00 |
| Landesbank Berlin | 99.20 | 0.00 |
| National Deposit Friendly Society | 99.20 | 0.00 |
| Royal Bank of Scotland International | 99.20 | 0.00 |
| engage Mutual Assurance | 99.20 | 0.00 |
| Brewin Dolphin Holdings | 99.19 | 31.71 |
| Brown Shipley | 99.02 | 13.73 |
| Ipswich Building Society | 98.40 | 2.40 |
| LMS Holdings | 98.40 | 2.40 |
| Co-operative Financial Services | 98.40 | 0.80 |
| National Westminster Bank - NatWest | 98.40 | 0.80 |
| Beacon Mortgage Packaging | 98.40 | 0.00 |
| Mellon | 98.40 | 0.00 |
| Scarborough Building Society | 98.40 | 0.00 |
| Shore Capital | 98.40 | 0.00 |
| Skipton Building Society | 98.40 | 0.00 |
| Stroud and Swindon Building Society | 98.40 | 0.00 |
| Wise Speke | 97.78 | 57.78 |
| Bank of Ireland | 97.60 | 0.00 |
| Bank of New York Mellon (International) Ltd (The) | 97.60 | 0.00 |
| Goldman Sachs International | 97.60 | 0.00 |
| Rathbone Investment Management Limited | 97.60 | 0.00 |
| Bank of Tokyo Mitsubishi | 97.22 | 0.00 |
| Chelsea Building Society | 96.80 | 2.40 |
| Newcastle Building Society | 96.80 | 0.00 |
| Sainsbury's Bank | 96.80 | 0.00 |
| WestLB Mellon Asset Management (UK) | 96.80 | 0.00 |
| BCW Group | 96.55 | 0.00 |
| Family Investments | 96.10 | 0.00 |
| Cumberland Building Society | 96.00 | 13.60 |
| MBNA Europe | 96.00 | 9.60 |
| Aberdeen Asset Management | 96.00 | 0.00 |
| Alliance & Leicester Group | 96.00 | 0.00 |
| Close Brothers Bank | 96.00 | 0.00 |
| Cahoot | 95.65 | 0.00 |
| PMI Europe | 95.45 | 0.00 |
| Britannia Building Society | 95.20 | 3.20 |
| West Bromwich Building Society | 95.20 | 0.00 |
| West LB Bank | 95.20 | 0.00 |
| Darlington Building Society | 94.69 | 0.00 |
| Morgan Stanley & Co. International | 94.40 | 0.80 |
| ARVAL | 94.40 | 0.00 |
| Capital One Bank (Europe) | 94.40 | 0.00 |
| First Response Finance | 94.40 | 0.00 |
| The Funding Corporation | 94.29 | 8.57 |
| British Bankers' Association | 93.60 | 0.00 |
| Cambridge Building Society | 93.60 | 0.00 |
| National Irish Bank | 93.60 | 0.00 |
| Rabobank International | 92.80 | 0.00 |
| Seymour Pierce | 92.00 | 0.00 |
| Zenith Bank (UK) Limited | 91.67 | 8.33 |
| SMBC Capital Markets | 91.67 | 0.00 |
| Homeloan Management | 91.20 | 19.20 |
| Halifax | 91.20 | 0.00 |
| ANZ Investment Bank | 90.40 | 0.00 |
| Yorkshire Bank | 90.40 | 0.00 |
| Leumi Bank & Trust Company (Channel Island) | 90.36 | 0.00 |
| Clydesdale Bank | 88.80 | 0.80 |
| HSBC Bank | 88.80 | 0.00 |
| Newbury Building Society | 88.18 | 0.00 |
| Charity Bank | 88.00 | 0.00 |
| SVS Securities | 87.20 | 0.00 |
| Smile | 87.20 | 0.00 |
| Vocalink | 87.20 | 0.00 |
| Bank of Scotland | 86.40 | 0.00 |
| First Trust Bank | 86.40 | 0.00 |
| Siemens Financial Services Limited | 85.60 | 0.00 |
| Tesco Personal Finance Group Limited | 84.00 | 17.60 |
| Coutts & Co | 84.00 | 0.00 |
| Marks & Spencer Financial Services | 83.20 | 0.00 |
| Moneyfacts Group | 83.20 | 0.00 |
| Northern Bank | 83.20 | 0.00 |
| Schroders | 83.20 | 0.00 |
| Pershing Securities | 82.89 | 0.00 |
| James Hay | 82.40 | 0.00 |
| Nomura Bank International | 82.40 | 0.00 |
| Agricultural Mortgage Corporation | 81.60 | 0.00 |
| Gulf International Bank | 80.80 | 0.00 |
| ABN AMRO | 80.00 | 0.00 |
| Coventry Building Society | 79.20 | 0.00 |
| Syscap | 79.20 | 0.00 |
| FIRSTPLUS Financial Group | 77.08 | 8.33 |
| Mortgage Force | 76.00 | 7.20 |
| Eiger Systems | 76.00 | 0.00 |
| MasterCard | 76.00 | 0.00 |
| Secure Trust Bank Plc | 75.65 | 0.00 |
| Societe Generale Group | 75.20 | 1.60 |
| Calyon | 74.40 | 0.00 |
| Direct Line Financial Services | 73.60 | 0.00 |
| Hoodless Brennan Stockbrokers | 72.00 | 0.00 |
| Singer & Friedlander | 72.00 | 0.00 |
| Dudley Building Society | 70.18 | 0.00 |
| Home of Choice | 68.33 | 0.00 |
| SWIFT | 68.00 | 0.00 |
| Standard Chartered Bank | 68.00 | 0.00 |
| Building Societies Association | 67.20 | 0.00 |
| Allied Irish Bank | 64.00 | 0.00 |
| HSBC Private Bank | 64.00 | 0.00 |
| UBS Investment Bank | 64.00 | 0.00 |
| C. Hoare & Co | 62.35 | 0.00 |
| N M Rothschild & Sons Limited | 61.60 | 0.00 |
| Mortgage Trust | 58.82 | 0.00 |
| Standard Life Bank | 58.40 | 1.60 |
| DNB Norbank | 58.40 | 0.00 |
| Ocean Finance | 58.40 | 0.00 |
| Arab Bank | 57.60 | 12.80 |
| Redmayne Bentley | 57.60 | 0.00 |
| Barclays Capital | 56.00 | 0.00 |
| 3i Group | 55.20 | 0.00 |
| Scottish Widows Bank plc | 53.60 | 0.80 |
| Central Capital | 52.63 | 5.26 |
| LeasePlan UK | 51.64 | 0.00 |
| Rothschild & Sons | 51.20 | 0.00 |
| Citigroup Global Markets Limited | 49.60 | 25.60 |
| Merrill Lynch | 45.60 | 0.00 |
| Collins Stewart Europe Limited | 44.05 | 0.00 |
| St Andrew's Group | 41.30 | 0.00 |
| Nottingham Building Society | 39.45 | 0.00 |
| Sumitomo Mitsui Banking Corporation Europe | 38.40 | 0.00 |
| Danske Bank | 34.40 | 1.60 |
| Health Shield Friendly Society | 34.40 | 0.00 |
| Yorkshire Building Society | 32.80 | 0.00 |
| Davis Group | 31.18 | 0.00 |
| GE Money | 26.23 | 0.00 |
| ClearDebt | 25.60 | 0.00 |
| Cofunds | 23.20 | 0.00 |
| Cater Allen Private Bank | 20.80 | 8.00 |
| Jefferies International | 20.00 | 0.00 |
| Moneysupermarket | 20.00 | 0.00 |
| JPMorgan Chase | 16.00 | 0.00 |
| Mortgage Express | 15.62 | 0.00 |
| CCLA Investment Management | 15.58 | 0.00 |
| AWD Moneyextra | 14.40 | 0.00 |
| Kensington Mortgages | 13.64 | 0.00 |
| Bank Julius Bär & Co. AG | 10.40 | 0.00 |
| LIFFE Euronext | 8.80 | 0.00 |
| Money Partners | 8.33 | 0.00 |
| Travelex Global and Financial Services | 6.40 | 0.00 |
| Citibank International | 5.60 | 0.00 |
| Diners Club | 5.60 | 0.00 |
| Macquarie Bank UK | 5.60 | 0.00 |
| Northern Trust | 4.80 | 0.00 |
| Harrods Bank Limited | 4.76 | 0.00 |
| Clarity Credit Management | 4.55 | 0.00 |
| Technology Leasing | 4.55 | 0.00 |
| Practice Plan | 4.08 | 0.00 |
| Smartfundit | 4.08 | 0.00 |
| EBS Building Society | 4.00 | 0.00 |
| GMAC Commercial Finance | 3.85 | 0.00 |
| Paragon Group | 3.77 | 3.77 |
| Lex Vehicle Leasing | 3.45 | 2.59 |
| Bank of Montreal | 3.20 | 0.00 |
| Deutsche Bank | 3.20 | 0.00 |
| Mortgage Next | 2.50 | 0.00 |
| Reliance Bank Limited | 2.50 | 0.00 |
| Nemo Personal Finance | 2.40 | 0.80 |
| Coface UK | 2.40 | 0.00 |
| GE Commercial Finance | 2.40 | 0.00 |
| Genworth Financial | 2.40 | 0.00 |
| AIB Capital Markets | 1.60 | 0.00 |
| Commerzbank | 1.60 | 0.00 |
| Investec Group | 1.60 | 0.00 |
| Euler Hermes Group | 1.16 | 1.16 |
| Loughborough Building Society | 1.10 | 0.00 |
| Evolution Securities | 0.86 | 0.00 |
| Altium Capital | 0.80 | 0.00 |
| Glitner Bank | 0.80 | 0.00 |
| Greenhill & Co | 0.80 | 0.00 |
| JCB Card Europe | 0.80 | 0.00 |
| Mercer | 0.80 | 0.00 |
| Mirabaud Investment Management | 0.80 | 0.00 |
| WH Ireland Stockbrokers | 0.80 | 0.00 |
| Advantage Finance | 0.00 | 0.00 |
| Airdrie Savings Bank | 0.00 | 0.00 |
| Any Financial | 0.00 | 0.00 |
| Arbuthnot Banking Group | 0.00 | 0.00 |
| BDS Mortgage Group | 0.00 | 0.00 |
| BIBBY Financial Services | 0.00 | 0.00 |
| BNP Paribas Finance | 0.00 | 0.00 |
| Baines & Ernst | 0.00 | 0.00 |
| Bank of England | 0.00 | 0.00 |
| Brilliant Mortgages | 0.00 | 0.00 |
| Butterfield Private Bank | 0.00 | 0.00 |
| Certegy | 0.00 | 0.00 |
| Close Premium Finance | 0.00 | 0.00 |
| Communications Workers Friendly Society | 0.00 | 0.00 |
| Debt Matters | 0.00 | 0.00 |
| EFG Group | 0.00 | 0.00 |
| European Bank | 0.00 | 0.00 |
| Integrated Financial Arrangements | 0.00 | 0.00 |
| Landesbank Hessen-Thuringen | 0.00 | 0.00 |
| Masterlease | 0.00 | 0.00 |
| Nottingham Friendly Society | 0.00 | 0.00 |
| Numis Securities | 0.00 | 0.00 |
| PayPoint | 0.00 | 0.00 |
| Pink Home Loans | 0.00 | 0.00 |
| Quayle Munroe | 0.00 | 0.00 |
| Renaissance Capital Limited | 0.00 | 0.00 |
| SAV Credit | 0.00 | 0.00 |
| Sage Financial Services | 0.00 | 0.00 |
| Smith & Williamson Holdings Ltd | 0.00 | 0.00 |
| Teachers Building Society | 0.00 | 0.00 |
| Williams de Broe | 0.00 | 0.00 |
| Wolsey Securities | 0.00 | 0.00 |
Error free sites
The following sites scored full marks for Function.
- Any Financial
- Birmingham Midshires Building Society
- Butterfield Private Bank
- Clarity Credit Management
- Coventry Building Society
- Debt Matters
- Exeter Friendly Society
- Harrods Bank Limited
- Julian Hodge Bank
- Bank Julius Bär & Co. AG
- Nottingham Friendly Society
- SMBC Capital Markets
- The Mortgage Business
- Cheshire Building Society
- Pink Home Loans
- Integrated Financial Arrangements
Failing A & AA on every page
The following sites failed high priority tests on every page.
- Airdrie Savings Bank
- Advantage Finance
- Any Financial
- Arbuthnot Banking Group
- Baines & Ernst
- Bank of England
- BDS Mortgage Group
- BIBBY Financial Services
- BNP Paribas Finance
- Brilliant Mortgages
- Butterfield Private Bank
- Certegy
- Close Premium Finance
- Communications Workers Friendly Society
- Debt Matters
- European Bank
- EFG Group
- Landesbank Hessen-Thuringen
- Masterlease
- Nottingham Friendly Society
- Numis Securities
- PayPoint
- Quayle Munroe
- Renaissance Capital Limited
- Sage Financial Services
- SAV Credit
- Smith & Williamson Holdings Ltd
- Teachers Building Society
- Pink Home Loans
- Integrated Financial Arrangements
- Williams de Broe
- Wolsey Securities
Excluded from INDEX
The following sites were excluded from the INDEX.
- Charles Schwab UK
- DaimlerChrysler Financial Services
- Exclusive Connections
- First Credit Management
- First National
- Ford Finance Credit
- Handelsbanken
- ICICI Bank UK
- Inscape
- Lehman Brothers Holdings
- Members Mortgages
- MoneyGram International
- Old Mutual Asset Managers
- One Account
- Panmure Gordon
- Scotiabank
- Standard Bank
- State Street Bank
- Teachers Provident Society
- Dexia Public Finance Bank
- Western Union UK
- Provecta Car Plan
PDF testing
23.5% of checked PDFs were not tagged for accessibility.
Sitemorse performs twenty eight checks on PDF documents as part of our website benchmarking to ensure users do not experience problems such as broken links, or failing email addresses - we are also the first to test the accessibility compliance of PDF's.
Top ten functional failures
The most common categories of functional failure.
| url/fetch/badcookie Web server attempted to set invalid cookie |
81.89% |
| url/fetch/notfound File not found |
9.96% |
| url/fetch/unknownstatus Unknown status code received from web server |
5.95% |
| url/fetch/noeoh No end-of-headers found in HTTP response |
0.50% |
| url/fetch/accessdenied Access is denied |
0.41% |
| url/fetch/noaddr Host not found in DNS |
0.39% |
| url/fetch/exception Exception while downloading file |
0.33% |
| url/fetch/timeout Timeout downloading file |
0.27% |
| url/fetch/connref Connection refused by server |
0.09% |
| url/fetch/redirectloop Redirect points back to the original page |
0.07% |
Top ten code quality failures
The most common categories of code quality failure.
| file/html/unknownentity Unknown entity name |
31.42% |
| file/html/badentity Invalid character in entity |
31.39% |
| file/html/badvalue Invalid attribute value |
9.07% |
| file/html/badattr Invalid attribute name |
8.27% |
| file/html/tagnotallowed A start tag has been found in a position in which that element may not appear |
8.03% |
| file/html/unknowntag A start or end tag was found which was unrecognised |
2.56% |
| file/html/closingunopened A redundant close tag was found |
2.21% |
| url/fetch/moved A "301 Moved Permanently" response was received |
2.04% |
| file/url/offtop Relative URL attempted to move beyond top level |
1.22% |
| file/html/missingclose An element is missing the required close tag |
1.20% |