2010 Q2/UK Consumer Finance
INDEX Facts
- Completed date:
15 Jun 2010
- Total URLs tested:
271,367
- Total tests run:
88,761,621
- Total number of PDF's:
21,821
- URLs failing functional tests:
3.65%
- Pages failing code standards:
87.71%
- Pages missing a title:
2.52%
- Pages failing accessibility level A:
32.49%
- Pages failing accessibility level AA:
96.78%
- Poorest code quality:
Marks & Spencer Financial Services (http://www.marksandspencer.com/) - 255,879 failures
- Fastest average response time:
Numis Securities (http://www.numiscorp.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 |
|---|---|---|
| Intelligent Finance | 100.00 | 98.75 |
| BM Solutions | 100.00 | 96.80 |
| Julian Hodge Bank | 100.00 | 95.56 |
| Birmingham Midshires Building Society | 100.00 | 90.40 |
| Ecology Building Society | 100.00 | 77.68 |
| Daiwa Securities SMBC Europe | 100.00 | 71.20 |
| Leeds Building Society | 100.00 | 66.40 |
| European Central Bank | 100.00 | 32.00 |
| Credit Suisse Group | 100.00 | 14.40 |
| GE Life | 100.00 | 4.00 |
| Dresdner Kleinwort | 100.00 | 3.45 |
| Bank of New York Mellon (International) Ltd (The) | 100.00 | 1.60 |
| Cheshire Building Society | 100.00 | 1.60 |
| Mellon | 100.00 | 1.60 |
| Halifax Bank Of Scotland 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 |
| Barclays Group | 100.00 | 0.00 |
| Beacon Mortgage Packaging | 100.00 | 0.00 |
| Bradford & Bingley | 100.00 | 0.00 |
| British Credit Trust | 100.00 | 0.00 |
| Central Capital | 100.00 | 0.00 |
| Charles Stanley | 100.00 | 0.00 |
| Charterhouse Bank Limited | 100.00 | 0.00 |
| Cheltenham & Gloucester | 100.00 | 0.00 |
| Communications Workers Friendly Society | 100.00 | 0.00 |
| Coutts & Co | 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 |
| Financial Ombudsman Service | 100.00 | 0.00 |
| First Data International | 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 |
| National Westminster Bank - NatWest | 100.00 | 0.00 |
| Nemo Personal Finance | 100.00 | 0.00 |
| Old Mutual Asset Managers | 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 |
| UKI Partnerships | 100.00 | 0.00 |
| Visa Europe | 100.00 | 0.00 |
| Volkswagen Financial Services | 100.00 | 0.00 |
| WH Ireland Stockbrokers | 100.00 | 0.00 |
| Welcome Finance | 100.00 | 0.00 |
| Westpac Banking Corporation UK | 100.00 | 0.00 |
| Woolwich Building Society | 100.00 | 0.00 |
| engage Mutual Assurance | 100.00 | 0.00 |
| Brewin Dolphin Holdings | 99.20 | 32.00 |
| LMS Holdings | 99.20 | 1.60 |
| RBS Group | 99.20 | 0.80 |
| Abbey National | 99.20 | 0.00 |
| Cambridge Building Society | 99.20 | 0.00 |
| Incasso Debt Recovery | 99.20 | 0.00 |
| M&S Money | 99.20 | 0.00 |
| Royal Bank of Scotland International | 99.20 | 0.00 |
| Ipswich Building Society | 98.40 | 0.80 |
| Bank Julius Bär & Co. AG | 98.40 | 0.00 |
| Co-operative Financial Services | 98.40 | 0.00 |
| GMAC RFC | 98.40 | 0.00 |
| Health Shield Friendly Society | 98.40 | 0.00 |
| Landesbank Berlin | 98.40 | 0.00 |
| Rathbone Investment Management Limited | 98.40 | 0.00 |
| Scarborough Building Society | 98.40 | 0.00 |
| Shore Capital | 98.40 | 0.00 |
| West LB Bank | 98.40 | 0.00 |
| Bank of Ireland | 97.60 | 0.00 |
| Chesham Building Society | 97.60 | 0.00 |
| Goldman Sachs International | 97.60 | 0.00 |
| Skipton Building Society | 97.60 | 0.00 |
| Stroud and Swindon Building Society | 97.60 | 0.00 |
| WestLB Mellon Asset Management (UK) | 97.60 | 0.00 |
| Bank of Tokyo Mitsubishi | 97.30 | 0.00 |
| Brown Shipley | 97.06 | 12.75 |
| The Funding Corporation | 96.55 | 6.90 |
| Family Investments | 96.51 | 0.00 |
| National Deposit Friendly Society | 96.36 | 0.00 |
| Alliance & Leicester Group | 96.00 | 0.00 |
| British Bankers' Association | 96.00 | 0.00 |
| MBNA Europe | 96.00 | 0.00 |
| Cumberland Building Society | 95.20 | 7.20 |
| Close Brothers Bank | 95.20 | 0.00 |
| London Stock Exchange | 95.20 | 0.00 |
| Newcastle Building Society | 95.20 | 0.00 |
| National Irish Bank | 94.40 | 0.80 |
| ANZ Investment Bank | 94.40 | 0.00 |
| Britannia Building Society | 94.40 | 0.00 |
| First Response Finance | 94.40 | 0.00 |
| Nationwide Building Society | 94.40 | 0.00 |
| Portman | 94.40 | 0.00 |
| Syscap | 94.40 | 0.00 |
| HFC Bank | 93.75 | 0.00 |
| Ulster Bank | 93.60 | 51.20 |
| Rabobank International | 93.60 | 0.00 |
| West Bromwich Building Society | 93.60 | 0.00 |
| Brilliant Mortgages | 92.86 | 0.00 |
| Homeloan Management | 92.80 | 19.20 |
| ARVAL | 92.80 | 0.00 |
| Capital One Bank (Europe) | 92.80 | 0.00 |
| Legal & General Bank | 92.80 | 0.00 |
| Aberdeen Asset Management | 92.00 | 0.00 |
| Clegg Gifford Private Clients | 92.00 | 0.00 |
| Halifax | 92.00 | 0.00 |
| Newbury Building Society | 92.00 | 0.00 |
| Seymour Pierce | 92.00 | 0.00 |
| Zenith Bank (UK) Limited | 91.67 | 8.33 |
| SMBC Capital Markets | 91.67 | 0.00 |
| Coventry Building Society | 91.20 | 0.00 |
| Leumi Bank & Trust Company (Channel Island) | 91.20 | 0.00 |
| Nomura Bank International | 90.40 | 0.00 |
| Cattles | 89.60 | 0.00 |
| HSBC Bank | 89.60 | 0.00 |
| PMI Europe | 89.60 | 0.00 |
| Smile | 88.00 | 0.00 |
| BCW Group | 87.50 | 0.00 |
| Cahoot | 87.50 | 0.00 |
| Bank of Montreal | 87.20 | 0.00 |
| FIRSTPLUS Financial Group | 86.40 | 0.00 |
| Morgan Stanley & Co. International | 86.40 | 0.00 |
| Agricultural Mortgage Corporation | 85.60 | 0.00 |
| Darlington Building Society | 85.60 | 0.00 |
| James Hay | 85.60 | 0.00 |
| GE Money | 85.42 | 0.00 |
| Secure Trust Bank Plc | 85.25 | 0.00 |
| Bank of Scotland | 84.80 | 0.00 |
| First Trust Bank | 84.80 | 0.00 |
| Pershing Securities | 82.89 | 0.00 |
| Citigroup Global Markets Limited | 82.40 | 0.00 |
| Clydesdale Bank | 82.40 | 0.00 |
| ABN AMRO | 81.60 | 0.00 |
| Societe Generale Group | 81.60 | 0.00 |
| Yorkshire Bank | 81.60 | 0.00 |
| Tesco Personal Finance Group Limited | 80.80 | 9.60 |
| Chelsea Building Society | 80.80 | 0.00 |
| Bank of England | 80.00 | 0.00 |
| Dudley Building Society | 79.03 | 0.00 |
| Yorkshire Building Society | 78.40 | 0.00 |
| Siemens Financial Services Limited | 76.80 | 0.00 |
| Northern Bank | 76.00 | 0.00 |
| Standard Life Bank | 75.20 | 0.00 |
| Mortgage Force | 75.00 | 0.00 |
| Direct Line Financial Services | 74.40 | 0.00 |
| Schroders | 72.80 | 0.00 |
| Standard Bank | 70.91 | 0.00 |
| 3i Group | 68.80 | 0.00 |
| Building Societies Association | 68.80 | 0.00 |
| Allied Irish Bank | 68.00 | 0.00 |
| Sainsbury's Bank | 68.00 | 0.00 |
| HSBC Private Bank | 66.40 | 0.00 |
| Moneysupermarket | 65.60 | 0.00 |
| Standard Chartered Bank | 65.60 | 0.00 |
| Ocean Finance | 63.20 | 0.00 |
| Redmayne Bentley | 62.40 | 0.00 |
| SWIFT | 62.40 | 0.00 |
| C. Hoare & Co | 62.35 | 0.00 |
| Calyon | 61.60 | 0.00 |
| MasterCard | 61.60 | 0.00 |
| UBS Investment Bank | 60.00 | 0.00 |
| Scottish Widows Bank plc | 59.20 | 1.60 |
| Mortgage Trust | 58.82 | 0.00 |
| Marks & Spencer Financial Services | 57.60 | 0.00 |
| Merrill Lynch | 55.20 | 0.00 |
| DNB Norbank | 54.40 | 0.00 |
| LeasePlan UK | 54.40 | 0.00 |
| Barclays Capital | 52.00 | 0.00 |
| N M Rothschild & Sons Limited | 49.60 | 0.00 |
| Rothschild & Sons | 49.60 | 0.00 |
| Nottingham Building Society | 49.48 | 0.00 |
| Exclusive Connections | 47.76 | 0.00 |
| Arab Bank | 47.20 | 2.40 |
| Collins Stewart Europe Limited | 46.74 | 0.00 |
| St Andrew's Group | 37.78 | 0.00 |
| Danske Bank | 35.20 | 0.80 |
| Clarity Credit Management | 32.35 | 0.00 |
| Davis Group | 31.91 | 0.00 |
| Glitner Bank | 28.80 | 2.40 |
| Sumitomo Mitsui Banking Corporation Europe | 27.20 | 0.00 |
| Kensington Mortgages | 26.92 | 0.00 |
| AWD Moneyextra | 23.20 | 0.00 |
| Jefferies International | 20.80 | 0.00 |
| Cofunds | 20.00 | 0.00 |
| Charles Schwab UK | 18.69 | 0.00 |
| CCLA Investment Management | 17.57 | 0.00 |
| Eiger Systems | 15.20 | 0.00 |
| Paragon Group | 14.75 | 0.00 |
| GMAC Commercial Finance | 14.29 | 0.00 |
| ClearDebt | 13.60 | 0.80 |
| Macquarie Bank UK | 13.60 | 0.00 |
| Travelex Global and Financial Services | 10.40 | 0.00 |
| Cater Allen Private Bank | 9.60 | 0.00 |
| Vocalink | 9.60 | 0.00 |
| Technology Leasing | 9.09 | 0.00 |
| Money Partners | 8.33 | 0.00 |
| Diners Club | 6.84 | 0.00 |
| First Credit Management | 6.67 | 0.00 |
| Loughborough Building Society | 5.71 | 0.00 |
| Citibank International | 5.60 | 0.00 |
| Lex Vehicle Leasing | 5.13 | 1.71 |
| Harrods Bank Limited | 4.76 | 0.00 |
| LIFFE Euronext | 3.20 | 0.00 |
| Northern Trust | 3.20 | 0.00 |
| GE Commercial Finance | 2.61 | 0.00 |
| Coface UK | 2.40 | 0.00 |
| EBS Building Society | 2.40 | 0.00 |
| Genworth Financial | 2.40 | 0.00 |
| Mirabaud Investment Management | 2.40 | 0.00 |
| Mortgage Next | 2.38 | 0.00 |
| Hoodless Brennan Stockbrokers | 2.25 | 0.00 |
| Evolution Securities | 1.89 | 0.00 |
| Baines & Ernst | 1.75 | 0.00 |
| Commerzbank | 1.60 | 0.00 |
| Deutsche Bank | 1.60 | 0.00 |
| Practice Plan | 1.56 | 0.00 |
| Euler Hermes Group | 1.30 | 1.30 |
| Charity Bank | 0.80 | 0.80 |
| AIB Capital Markets | 0.80 | 0.00 |
| Altium Capital | 0.80 | 0.00 |
| Greenhill & Co | 0.80 | 0.00 |
| JCB Card Europe | 0.80 | 0.00 |
| Teachers Building Society | 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 |
| 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 |
| Gulf International Bank | 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 |
| Reliance Bank Limited | 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 |
| 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
- Darlington Building Society
- Exeter Friendly Society
- GMAC Commercial Finance
- Harrods Bank Limited
- Intelligent Finance
- Julian Hodge Bank
- Bank Julius Bär & Co. AG
- SMBC Capital Markets
- Smith & Williamson Holdings Ltd
- The Mortgage Business
- Nottingham Building Society
- Pink Home Loans
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
- BDS Mortgage Group
- BIBBY Financial Services
- BNP Paribas Finance
- Butterfield Private Bank
- Certegy
- Close Premium Finance
- Debt Matters
- European Bank
- EFG Group
- Gulf International Bank
- Landesbank Hessen-Thuringen
- ICICI Bank UK
- Masterlease
- Mercer
- Numis Securities
- PayPoint
- Quayle Munroe
- Reliance Bank Limited
- Renaissance Capital Limited
- Sage Financial Services
- SAV Credit
- Smith & Williamson Holdings Ltd
- SVS Securities
- 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
- Home of Choice
- Investec Group
- MoneyGram International
- One Account
- Panmure Gordon
- Scotiabank
- Singer & Friedlander
- Smartfundit
- State Street Bank
- Teachers Provident Society
- Dexia Public Finance Bank
- Western Union UK
- Wise Speke
- Provecta Car Plan
PDF testing
18.3% 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/notfound File not found |
37.30% |
| url/fetch/badcookie Web server attempted to set invalid cookie |
34.03% |
| url/fetch/unknownstatus Unknown status code received from web server |
17.17% |
| url/fetch/noeoh No end-of-headers found in HTTP response |
5.49% |
| url/fetch/accessdenied Access is denied |
2.19% |
| url/fetch/noaddr Host not found in DNS |
1.78% |
| url/fetch/badscheme URL scheme was unrecognised |
0.88% |
| url/fetch/timeout Timeout downloading file |
0.58% |
| url/fetch/exception Exception while downloading file |
0.24% |
| url/fetch/redirectloop Redirect points back to the original page |
0.10% |
Top ten code quality failures
The most common categories of code quality failure.
| file/html/unknownentity Unknown entity name |
22.49% |
| file/html/badentity Invalid character in entity |
22.36% |
| file/html/missingclose An element is missing the required close tag |
18.75% |
| file/html/tagnotallowed A start tag has been found in a position in which that element may not appear |
13.10% |
| file/html/badvalue Invalid attribute value |
7.34% |
| file/html/badattr Invalid attribute name |
6.04% |
| file/html/missingattr A start tag is missing required attributes |
2.13% |
| file/html/unknowntag A start or end tag was found which was unrecognised |
1.73% |
| url/fetch/moved A "301 Moved Permanently" response was received |
1.64% |
| file/html/closingunopened A redundant close tag was found |
1.29% |