2010 Q1/UK Consumer Finance
INDEX Facts
- Completed date:
09 Mar 2010
- Total URLs tested:
253,033
- Total tests run:
82,573,881
- Total number of PDF's:
13,006
- URLs failing functional tests:
10.99%
- Pages failing code standards:
79.01%
- Pages missing a title:
2.36%
- Pages failing accessibility level A:
33.92%
- Pages failing accessibility level AA:
95.31%
- Poorest code quality:
Marks & Spencer Financial Services (http://www.marksandspencer.com/) - 218,978 failures
- Fastest average response time:
Mortgages plc (http://www.mortgagesplc.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 | 97.40 |
| Julian Hodge Bank | 100.00 | 95.56 |
| Cheshire Building Society | 100.00 | 84.00 |
| Ecology Building Society | 100.00 | 82.41 |
| Visa Europe | 100.00 | 72.80 |
| Barclays Group | 100.00 | 66.40 |
| Daiwa Securities SMBC Europe | 100.00 | 65.60 |
| European Central Bank | 100.00 | 63.20 |
| Bradford & Bingley | 100.00 | 50.00 |
| Charterhouse Bank Limited | 100.00 | 28.57 |
| UKI Partnerships | 100.00 | 27.69 |
| British Credit Trust | 100.00 | 8.80 |
| GE Life | 100.00 | 7.20 |
| Woolwich Building Society | 100.00 | 3.92 |
| Dresdner Kleinwort | 100.00 | 3.45 |
| Halifax Bank Of Scotland Group | 100.00 | 2.40 |
| SG Hambros Bank Limited | 100.00 | 2.40 |
| Financial Ombudsman Service | 100.00 | 0.80 |
| RBS Group | 100.00 | 0.80 |
| APACS | 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 |
| Beacon Mortgage Packaging | 100.00 | 0.00 |
| Birmingham Midshires Building Society | 100.00 | 0.00 |
| Cahoot | 100.00 | 0.00 |
| Cattles | 100.00 | 0.00 |
| Charles Stanley | 100.00 | 0.00 |
| Cheltenham & Gloucester | 100.00 | 0.00 |
| Chesham Building Society | 100.00 | 0.00 |
| Communications Workers Friendly Society | 100.00 | 0.00 |
| Credit Suisse Group | 100.00 | 0.00 |
| Debt Free Direct Group | 100.00 | 0.00 |
| Exeter Friendly Society | 100.00 | 0.00 |
| First Active | 100.00 | 0.00 |
| First Data International | 100.00 | 0.00 |
| Health Shield Friendly Society | 100.00 | 0.00 |
| Islamic Bank of Britain | 100.00 | 0.00 |
| Isle of Man Bank Limited | 100.00 | 0.00 |
| JPMorgan Chase | 100.00 | 0.00 |
| John Charcol | 100.00 | 0.00 |
| KBC Peel Hunt | 100.00 | 0.00 |
| Lloyds TSB | 100.00 | 0.00 |
| Moneyfacts Group | 100.00 | 0.00 |
| Monmouthshire Building Society | 100.00 | 0.00 |
| Mortgage Express | 100.00 | 0.00 |
| Mortgage Point | 100.00 | 0.00 |
| Mortgages plc | 100.00 | 0.00 |
| National Australia Bank | 100.00 | 0.00 |
| Nottingham Friendly Society | 100.00 | 0.00 |
| Purely Mortgages | 100.00 | 0.00 |
| Royal Bank of Scotland International | 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 | 59.20 |
| Brewin Dolphin Holdings | 99.20 | 32.00 |
| Wise Speke | 99.20 | 32.00 |
| M&S Money | 99.20 | 3.20 |
| Legal & General Bank | 99.20 | 2.40 |
| Co-operative Financial Services | 99.20 | 0.80 |
| Nationwide Building Society | 99.20 | 0.80 |
| Portman | 99.20 | 0.80 |
| Abbey National | 99.20 | 0.00 |
| Bank of New York Mellon (International) Ltd (The) | 99.20 | 0.00 |
| GMAC RFC | 99.20 | 0.00 |
| Incasso Debt Recovery | 99.20 | 0.00 |
| London Stock Exchange | 99.20 | 0.00 |
| Mellon | 99.20 | 0.00 |
| National Westminster Bank - NatWest | 99.20 | 0.00 |
| WestLB Mellon Asset Management (UK) | 99.20 | 0.00 |
| engage Mutual Assurance | 99.20 | 0.00 |
| Brown Shipley | 99.02 | 12.75 |
| Chelsea Building Society | 98.40 | 2.40 |
| LMS Holdings | 98.40 | 2.40 |
| Aberdeen Asset Management | 98.40 | 0.00 |
| Landesbank Berlin | 98.40 | 0.00 |
| Scarborough Building Society | 98.40 | 0.00 |
| Shore Capital | 98.40 | 0.00 |
| Stroud and Swindon Building Society | 98.40 | 0.00 |
| Mortgage Force | 97.60 | 10.40 |
| Ipswich Building Society | 97.60 | 2.40 |
| Alliance & Leicester Group | 97.60 | 0.00 |
| Rathbone Investment Management Limited | 97.60 | 0.00 |
| Skipton Building Society | 97.60 | 0.00 |
| Bank of Tokyo Mitsubishi | 97.22 | 0.00 |
| BCW Group | 96.97 | 0.00 |
| MBNA Europe | 96.80 | 6.40 |
| Britannia Building Society | 96.80 | 4.80 |
| Bank of Ireland | 96.80 | 0.00 |
| Cambridge Building Society | 96.80 | 0.00 |
| Goldman Sachs International | 96.80 | 0.00 |
| Newcastle Building Society | 96.80 | 0.00 |
| Sainsbury's Bank | 96.80 | 0.00 |
| The Funding Corporation | 96.55 | 10.34 |
| Family Investments | 96.34 | 0.00 |
| Close Brothers Bank | 96.00 | 0.00 |
| National Deposit Friendly Society | 96.00 | 0.00 |
| Ulster Bank | 95.20 | 53.60 |
| British Bankers' Association | 95.20 | 0.00 |
| Capital One Bank (Europe) | 95.20 | 0.00 |
| West Bromwich Building Society | 95.20 | 0.00 |
| Morgan Stanley & Co. International | 94.40 | 0.80 |
| ARVAL | 94.40 | 0.00 |
| First Response Finance | 94.40 | 0.00 |
| National Irish Bank | 94.40 | 0.00 |
| West LB Bank | 94.40 | 0.00 |
| HFC Bank | 93.75 | 0.00 |
| Cumberland Building Society | 93.60 | 6.40 |
| Derbyshire Building Society | 93.60 | 0.00 |
| Rabobank International | 93.60 | 0.00 |
| Homeloan Management | 92.00 | 19.20 |
| Seymour Pierce | 92.00 | 0.00 |
| Zenith Bank (UK) Limited | 91.67 | 8.33 |
| SMBC Capital Markets | 91.67 | 0.00 |
| Coutts & Co | 91.20 | 0.00 |
| Leumi Bank & Trust Company (Channel Island) | 91.20 | 0.00 |
| Newbury Building Society | 90.40 | 0.00 |
| PMI Europe | 90.40 | 0.00 |
| ANZ Investment Bank | 89.60 | 0.00 |
| Halifax | 89.60 | 0.00 |
| Marks & Spencer Financial Services | 89.60 | 0.00 |
| First Trust Bank | 88.00 | 0.00 |
| HSBC Bank | 88.00 | 0.00 |
| FIRSTPLUS Financial Group | 87.20 | 3.20 |
| Bank of Scotland | 87.20 | 0.00 |
| Darlington Building Society | 87.20 | 0.00 |
| Smile | 87.20 | 0.00 |
| Clegg Gifford Private Clients | 87.04 | 0.00 |
| Clydesdale Bank | 86.40 | 0.80 |
| Redmayne Bentley | 85.60 | 0.00 |
| Siemens Financial Services Limited | 85.25 | 0.00 |
| ABN AMRO | 84.00 | 0.00 |
| Agricultural Mortgage Corporation | 84.00 | 0.00 |
| Schroders | 84.00 | 0.00 |
| Yorkshire Bank | 83.20 | 0.80 |
| Pershing Securities | 82.89 | 0.00 |
| Secure Trust Bank Plc | 82.40 | 0.00 |
| Nomura Bank International | 81.60 | 0.00 |
| Syscap | 80.80 | 0.00 |
| Tesco Personal Finance Group Limited | 80.00 | 19.20 |
| James Hay | 80.00 | 0.00 |
| Societe Generale Group | 79.20 | 0.80 |
| Gulf International Bank | 79.20 | 0.00 |
| Northern Bank | 79.20 | 0.00 |
| 3i Group | 78.40 | 0.00 |
| Yorkshire Building Society | 76.00 | 0.00 |
| Dudley Building Society | 73.77 | 0.00 |
| Standard Life Bank | 73.60 | 1.60 |
| Charity Bank | 73.60 | 0.00 |
| Coventry Building Society | 73.60 | 0.00 |
| Direct Line Financial Services | 72.80 | 0.00 |
| MasterCard | 69.60 | 0.00 |
| Building Societies Association | 68.00 | 0.00 |
| Moneysupermarket | 66.40 | 1.60 |
| Bank of England | 64.80 | 0.00 |
| Allied Irish Bank | 64.00 | 0.00 |
| HSBC Private Bank | 64.00 | 0.00 |
| Singer & Friedlander | 63.20 | 0.00 |
| Standard Chartered Bank | 63.20 | 0.00 |
| UBS Investment Bank | 63.20 | 0.00 |
| C. Hoare & Co | 62.35 | 0.00 |
| SWIFT | 61.60 | 0.00 |
| Arab Bank | 60.00 | 3.20 |
| N M Rothschild & Sons Limited | 59.20 | 0.00 |
| Mortgage Trust | 58.82 | 0.00 |
| Home of Choice | 57.94 | 0.00 |
| Eiger Systems | 56.00 | 0.00 |
| Rothschild & Sons | 56.00 | 0.00 |
| DNB Norbank | 55.20 | 0.00 |
| Scottish Widows Bank plc | 54.40 | 1.60 |
| LeasePlan UK | 53.23 | 0.00 |
| Citigroup Global Markets Limited | 52.80 | 25.60 |
| Central Capital | 52.63 | 5.26 |
| Barclays Capital | 52.00 | 0.00 |
| Ocean Finance | 48.00 | 0.00 |
| Exclusive Connections | 47.76 | 0.00 |
| Calyon | 47.20 | 0.00 |
| Collins Stewart Europe Limited | 46.15 | 0.00 |
| St Andrew's Group | 41.30 | 0.00 |
| Nottingham Building Society | 41.12 | 0.00 |
| Merrill Lynch | 36.80 | 0.00 |
| Danske Bank | 34.40 | 1.60 |
| Davis Group | 31.18 | 0.00 |
| ClearDebt | 28.00 | 0.00 |
| Sumitomo Mitsui Banking Corporation Europe | 28.00 | 0.00 |
| GE Money | 26.23 | 0.00 |
| Kensington Mortgages | 25.00 | 0.00 |
| Cater Allen Private Bank | 22.40 | 8.00 |
| Cofunds | 22.40 | 0.00 |
| Jefferies International | 20.80 | 0.00 |
| Charles Schwab UK | 20.45 | 1.14 |
| AWD Moneyextra | 16.00 | 2.40 |
| Macquarie Bank UK | 16.00 | 0.00 |
| CCLA Investment Management | 15.28 | 0.00 |
| Paragon Group | 14.75 | 0.00 |
| Citibank International | 10.40 | 0.00 |
| Technology Leasing | 9.09 | 0.00 |
| Bank Julius Bär & Co. AG | 8.80 | 0.00 |
| Money Partners | 8.33 | 0.00 |
| Diners Club | 7.77 | 0.00 |
| GMAC Commercial Finance | 7.69 | 0.00 |
| Travelex Global and Financial Services | 7.20 | 0.00 |
| First Credit Management | 6.67 | 0.00 |
| Loughborough Building Society | 5.83 | 0.00 |
| EBS Building Society | 4.80 | 0.00 |
| Northern Trust | 4.80 | 0.00 |
| Harrods Bank Limited | 4.76 | 0.00 |
| Clarity Credit Management | 4.55 | 0.00 |
| Nemo Personal Finance | 4.00 | 2.40 |
| LIFFE Euronext | 4.00 | 0.00 |
| Lex Vehicle Leasing | 3.45 | 2.59 |
| Bank of Montreal | 3.20 | 0.00 |
| Vocalink | 3.20 | 0.00 |
| Reliance Bank Limited | 2.56 | 0.00 |
| Mortgage Next | 2.44 | 0.00 |
| Coface UK | 2.40 | 0.00 |
| GE Commercial Finance | 2.40 | 0.00 |
| Genworth Financial | 2.40 | 0.00 |
| Mirabaud Investment Management | 2.40 | 0.00 |
| Practice Plan | 2.08 | 0.00 |
| Evolution Securities | 1.92 | 0.00 |
| AIB Capital Markets | 1.60 | 0.00 |
| Commerzbank | 1.60 | 0.00 |
| Investec Group | 1.60 | 0.00 |
| Euler Hermes Group | 1.22 | 1.22 |
| Altium Capital | 0.80 | 0.00 |
| Deutsche Bank | 0.80 | 0.00 |
| Glitner Bank | 0.80 | 0.00 |
| Greenhill & Co | 0.80 | 0.00 |
| JCB Card Europe | 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 |
| 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 |
| Debt Matters | 0.00 | 0.00 |
| EFG Group | 0.00 | 0.00 |
| European Bank | 0.00 | 0.00 |
| Hoodless Brennan Stockbrokers | 0.00 | 0.00 |
| ICICI Bank UK | 0.00 | 0.00 |
| Landesbank Hessen-Thuringen | 0.00 | 0.00 |
| Masterlease | 0.00 | 0.00 |
| Mercer | 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 |
| SVS Securities | 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.
- Adam & Company Group
- Any Financial
- BM Solutions
- Clarity Credit Management
- Coventry Building Society
- Debt Matters
- Exeter Friendly Society
- GMAC Commercial Finance
- Harrods Bank Limited
- Intelligent Finance
- Julian Hodge Bank
- SMBC Capital Markets
- The Mortgage Business
- Chesham Building Society
- Derbyshire Building Society
- Nottingham Building Society
- Pink Home Loans
- Travelex Global and Financial Services
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
- BDS Mortgage Group
- BIBBY Financial Services
- BNP Paribas Finance
- Brilliant Mortgages
- Butterfield Private Bank
- Certegy
- Close Premium Finance
- Debt Matters
- European Bank
- EFG Group
- Landesbank Hessen-Thuringen
- Hoodless Brennan Stockbrokers
- ICICI Bank UK
- Masterlease
- Mercer
- Numis Securities
- PayPoint
- Quayle Munroe
- Renaissance Capital Limited
- Sage Financial Services
- SAV Credit
- Smith & Williamson Holdings Ltd
- SVS Securities
- Teachers Building Society
- Pink Home Loans
- Williams de Broe
- Wolsey Securities
Excluded from INDEX
The following sites were excluded from the INDEX.
- DaimlerChrysler Financial Services
- First National
- Ford Finance Credit
- Handelsbanken
- Inscape
- Lehman Brothers Holdings
- Members Mortgages
- MoneyGram International
- Old Mutual Asset Managers
- One Account
- Panmure Gordon
- Scotiabank
- Smartfundit
- Standard Bank
- State Street Bank
- Teachers Provident Society
- Integrated Financial Arrangements
- 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 |
82.66% |
| url/fetch/notfound File not found |
9.73% |
| url/fetch/unknownstatus Unknown status code received from web server |
4.59% |
| url/fetch/noeoh No end-of-headers found in HTTP response |
1.76% |
| url/fetch/accessdenied Access is denied |
0.47% |
| url/fetch/noaddr Host not found in DNS |
0.34% |
| url/fetch/timeout Timeout downloading file |
0.18% |
| url/fetch/exception Exception while downloading file |
0.11% |
| url/fetch/badscheme URL scheme was unrecognised |
0.06% |
| url/fetch/badstatus Bad HTTP status returned by server |
0.03% |
Top ten code quality failures
The most common categories of code quality failure.
| file/html/unknownentity Unknown entity name |
32.08% |
| file/html/badentity Invalid character in entity |
32.04% |
| file/html/badattr Invalid attribute name |
8.41% |
| file/html/tagnotallowed A start tag has been found in a position in which that element may not appear |
8.13% |
| file/html/badvalue Invalid attribute value |
7.60% |
| file/html/unknowntag A start or end tag was found which was unrecognised |
2.57% |
| url/fetch/moved A "301 Moved Permanently" response was received |
2.30% |
| file/html/closingunopened A redundant close tag was found |
2.24% |
| file/html/missingclose An element is missing the required close tag |
1.22% |
| file/url/offtop Relative URL attempted to move beyond top level |
1.12% |