2010 Q3/UK Consumer Finance
INDEX Facts
- Completed date:
06 Sep 2010
- Total URLs tested:
247,612
- Total tests run:
80,805,972
- Total number of PDF's:
12,772
- URLs failing functional tests:
3.99%
- Pages failing code standards:
87.76%
- Pages missing a title:
2.62%
- Pages failing accessibility level A:
32.52%
- Pages failing accessibility level AA:
96.91%
- Poorest code quality:
Abbey National (http://www.abbey.com/) - 103,338 failures
- Fastest average response time:
St Andrew's Group (http://www.st-andrews.co.uk/)
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 | 96.34 |
| Julian Hodge Bank | 100.00 | 95.56 |
| BM Solutions | 100.00 | 89.60 |
| Ecology Building Society | 100.00 | 77.19 |
| European Central Bank | 100.00 | 68.80 |
| Brewin Dolphin Holdings | 100.00 | 60.00 |
| Leeds Building Society | 100.00 | 56.00 |
| GE Life | 100.00 | 4.00 |
| Dresdner Kleinwort | 100.00 | 3.45 |
| LMS Holdings | 100.00 | 2.40 |
| Bank of New York Mellon (International) Ltd (The) | 100.00 | 1.60 |
| Barclays Group | 100.00 | 1.60 |
| Financial Ombudsman Service | 100.00 | 1.60 |
| Mellon | 100.00 | 1.60 |
| Cheshire Building Society | 100.00 | 0.80 |
| Halifax Bank Of Scotland Group | 100.00 | 0.80 |
| Adam & Company Group | 100.00 | 0.00 |
| Amber Homeloans | 100.00 | 0.00 |
| Anglo Irish Bank | 100.00 | 0.00 |
| Bank of Ireland Mortgages | 100.00 | 0.00 |
| Birmingham Midshires Building Society | 100.00 | 0.00 |
| Bradford & Bingley | 100.00 | 0.00 |
| British Credit Trust | 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 |
| Debt Free Direct Group | 100.00 | 0.00 |
| Derbyshire Building Society | 100.00 | 0.00 |
| Exeter Friendly Society | 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 |
| Lloyds TSB | 100.00 | 0.00 |
| London Stock Exchange | 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 |
| Nemo Personal Finance | 100.00 | 0.00 |
| Old Mutual Asset Managers | 100.00 | 0.00 |
| Purely Mortgages | 100.00 | 0.00 |
| RBS Group | 100.00 | 0.00 |
| Royal Bank of Scotland International | 100.00 | 0.00 |
| SG Hambros Bank Limited | 100.00 | 0.00 |
| Stroud and Swindon Building Society | 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 |
| Credit Suisse Group | 99.20 | 9.60 |
| APACS | 99.20 | 0.00 |
| Abbey National | 99.20 | 0.00 |
| Cambridge Building Society | 99.20 | 0.00 |
| Coutts & Co | 99.20 | 0.00 |
| HSBC Bermuda | 99.20 | 0.00 |
| Incasso Debt Recovery | 99.20 | 0.00 |
| M&S Money | 99.20 | 0.00 |
| Moneyfacts Group | 99.20 | 0.00 |
| Ulster Bank | 98.40 | 54.40 |
| Ipswich Building Society | 98.40 | 0.80 |
| Chesham Building Society | 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 |
| Shore Capital | 98.40 | 0.00 |
| Skipton Building Society | 98.40 | 0.00 |
| Vocalink | 98.40 | 0.00 |
| West LB Bank | 98.40 | 0.00 |
| Barclaycard | 97.60 | 40.80 |
| Nationwide Building Society | 97.60 | 0.80 |
| Portman | 97.60 | 0.80 |
| ABN AMRO | 97.60 | 0.00 |
| Goldman Sachs International | 97.60 | 0.00 |
| Scarborough 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 | 96.97 | 13.13 |
| Bank of Ireland | 96.80 | 0.00 |
| Co-operative Financial Services | 96.80 | 0.00 |
| James Hay | 96.80 | 0.00 |
| National Westminster Bank - NatWest | 96.80 | 0.00 |
| Syscap | 96.80 | 0.00 |
| Alliance & Leicester Group | 96.00 | 0.00 |
| Close Brothers Bank | 96.00 | 0.00 |
| The Funding Corporation | 96.00 | 0.00 |
| West Bromwich Building Society | 96.00 | 0.00 |
| Bank Leumi (Jersey) Limited | 95.92 | 0.00 |
| Family Investments | 95.65 | 0.00 |
| Bank Julius Bär & Co. AG | 95.20 | 0.00 |
| Morgan Stanley & Co. International | 95.20 | 0.00 |
| National Irish Bank | 94.40 | 0.80 |
| First Response Finance | 94.40 | 0.00 |
| Newcastle Building Society | 94.40 | 0.00 |
| HFC Bank | 93.75 | 0.00 |
| Homeloan Management | 93.60 | 19.20 |
| First Trust Bank | 93.60 | 0.80 |
| Brilliant Mortgages | 93.06 | 0.00 |
| Cumberland Building Society | 92.80 | 8.00 |
| Britannia Building Society | 92.80 | 0.00 |
| SMBC Capital Markets | 92.31 | 0.00 |
| ANZ Investment Bank | 92.00 | 0.00 |
| Rabobank International | 92.00 | 0.00 |
| Seymour Pierce | 92.00 | 0.00 |
| Zenith Bank (UK) Limited | 91.67 | 8.33 |
| Cahoot | 91.67 | 0.00 |
| Newbury Building Society | 91.67 | 0.00 |
| ARVAL | 91.20 | 0.00 |
| Tesco Personal Finance Group Limited | 90.40 | 5.60 |
| Danske Bank | 90.40 | 0.80 |
| Aberdeen Asset Management | 90.40 | 0.00 |
| Legal & General Bank | 90.40 | 0.00 |
| MBNA Europe | 90.40 | 0.00 |
| Smile | 90.40 | 0.00 |
| Kaupthing Singer & Friedlander | 90.32 | 0.00 |
| Cattles | 89.60 | 0.00 |
| Nomura Bank International | 89.60 | 0.00 |
| Leumi Bank & Trust Company (Channel Island) | 89.42 | 0.00 |
| Capital One Bank (Europe) | 88.80 | 0.00 |
| BCW Group | 88.10 | 0.00 |
| Citigroup Global Markets Limited | 88.00 | 0.00 |
| Clegg Gifford Private Clients | 88.00 | 0.00 |
| Halifax | 87.20 | 0.00 |
| Secure Trust Bank Plc | 87.10 | 0.00 |
| Agricultural Mortgage Corporation | 86.40 | 0.00 |
| Darlington Building Society | 86.40 | 0.00 |
| GE Money | 84.95 | 0.00 |
| Bank of Montreal | 84.80 | 0.00 |
| FIRSTPLUS Financial Group | 84.80 | 0.00 |
| PMI Europe | 84.80 | 0.00 |
| Clydesdale Bank | 84.00 | 0.00 |
| HSBC Bank | 83.20 | 0.00 |
| Northern Bank | 83.20 | 0.00 |
| Vanquis Bank | 83.20 | 0.00 |
| Pershing Securities | 82.89 | 0.00 |
| SAV Credit | 82.35 | 0.00 |
| Arab Bank | 81.60 | 39.20 |
| Yorkshire Bank | 81.60 | 0.00 |
| Bank of Scotland | 80.80 | 0.00 |
| Marks & Spencer Financial Services | 80.80 | 0.00 |
| More Than | 80.00 | 0.00 |
| Dudley Building Society | 79.69 | 0.00 |
| Bank of England | 79.20 | 0.00 |
| Technology Leasing | 78.26 | 0.00 |
| Chelsea Building Society | 77.60 | 0.00 |
| Standard Chartered Bank | 77.60 | 0.00 |
| Siemens Financial Services Limited | 76.80 | 0.00 |
| Societe Generale Group | 76.00 | 0.00 |
| Mortgage Force | 75.00 | 0.00 |
| Standard Life Bank | 74.40 | 0.00 |
| Yorkshire Building Society | 72.80 | 0.00 |
| Ocean Finance | 72.00 | 0.00 |
| Schroders | 72.00 | 0.00 |
| UBS Investment Bank | 72.00 | 0.00 |
| Standard Bank | 70.91 | 0.00 |
| C. Hoare & Co | 69.81 | 0.00 |
| 3i Group | 68.00 | 0.00 |
| Building Societies Association | 66.40 | 0.00 |
| Calyon | 66.40 | 0.00 |
| Davis Group | 64.80 | 0.00 |
| Allied Irish Bank | 64.00 | 0.00 |
| Direct Line Financial Services | 64.00 | 0.00 |
| Moneysupermarket | 64.00 | 0.00 |
| MasterCard | 62.40 | 0.00 |
| Scottish Widows Bank plc | 61.60 | 1.60 |
| SWIFT | 61.60 | 0.00 |
| Sainsbury's Bank | 61.60 | 0.00 |
| Mortgage Trust | 58.82 | 0.00 |
| DNB Norbank | 56.80 | 0.00 |
| Home of Choice | 56.73 | 0.00 |
| LeasePlan UK | 53.60 | 0.00 |
| Redmayne Bentley | 53.60 | 0.00 |
| N M Rothschild & Sons Limited | 52.80 | 0.00 |
| Barclays Capital | 51.20 | 0.00 |
| Central Capital | 50.00 | 0.00 |
| Rothschild & Sons | 49.60 | 0.00 |
| Exclusive Connections | 47.76 | 0.00 |
| Collins Stewart Europe Limited | 46.24 | 0.00 |
| Nottingham Building Society | 46.15 | 0.00 |
| Coventry Building Society | 45.60 | 0.00 |
| British Bankers' Association | 44.80 | 0.00 |
| Merrill Lynch | 44.80 | 0.00 |
| Glitner Bank | 43.20 | 15.20 |
| St Andrew's Group | 40.00 | 0.00 |
| Clarity Credit Management | 32.35 | 0.00 |
| Kensington Mortgages | 24.14 | 0.00 |
| Cofunds | 22.40 | 0.00 |
| Travelex Global and Financial Services | 22.40 | 0.00 |
| Sumitomo Mitsui Banking Corporation Europe | 20.00 | 0.00 |
| Charles Schwab UK | 18.69 | 0.00 |
| Practice Plan | 18.18 | 0.00 |
| CCLA Investment Management | 16.44 | 0.00 |
| AWD Moneyextra | 16.00 | 0.00 |
| GMAC Commercial Finance | 14.29 | 0.00 |
| Paragon Group | 13.33 | 0.00 |
| Macquarie Bank UK | 12.80 | 0.00 |
| ClearDebt | 10.40 | 0.00 |
| Eiger Systems | 9.60 | 0.00 |
| Cater Allen Private Bank | 8.80 | 0.00 |
| Citibank International | 8.80 | 0.00 |
| Money Partners | 8.33 | 0.00 |
| Investec Group | 8.00 | 0.00 |
| Northern Trust | 7.20 | 0.00 |
| First Credit Management | 6.67 | 0.00 |
| EBS Building Society | 6.40 | 0.00 |
| Diners Club | 5.77 | 0.00 |
| HSBC Private Bank | 5.60 | 0.00 |
| European Bank | 4.80 | 0.00 |
| Loughborough Building Society | 4.76 | 0.00 |
| Lex Vehicle Leasing | 3.45 | 1.72 |
| Genworth Financial | 3.20 | 0.00 |
| GE Commercial Finance | 2.61 | 0.00 |
| AIB Capital Markets | 2.40 | 0.00 |
| Coface UK | 2.40 | 0.00 |
| Commerzbank | 2.40 | 0.00 |
| Jefferies International | 2.40 | 0.00 |
| Mirabaud Investment Management | 2.40 | 0.00 |
| Mortgage Next | 2.38 | 0.00 |
| Hoodless Brennan Stockbrokers | 2.27 | 0.00 |
| Evolution Securities | 1.96 | 0.00 |
| Baines & Ernst | 1.71 | 0.00 |
| LIFFE Euronext | 1.60 | 0.00 |
| National Deposit Friendly Society | 1.60 | 0.00 |
| Greenhill & Co | 0.80 | 0.00 |
| JCB Card Europe | 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 |
| Charity Bank | 0.00 | 0.00 |
| Close Premium Finance | 0.00 | 0.00 |
| Debt Matters | 0.00 | 0.00 |
| Deutsche Bank | 0.00 | 0.00 |
| EFG Group | 0.00 | 0.00 |
| Euler Hermes Group | 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 |
| 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 |
Error free sites
The following sites scored full marks for Function.
- Any Financial
- Butterfield Private Bank
- Clarity Credit Management
- Darlington Building Society
- Debt Matters
- Exeter Friendly Society
- GMAC Commercial Finance
- C. Hoare & Co
- Intelligent Finance
- Julian Hodge Bank
- Bank Julius Bär & Co. AG
- Rothschild & Sons
- Practice Plan
- N M Rothschild & Sons Limited
- SMBC Capital Markets
- Smith & Williamson Holdings Ltd
- The Mortgage Business
- 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
- Charity Bank
- Close Premium Finance
- Deutsche Bank
- Debt Matters
- EFG Group
- Euler Hermes 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
- Smith & Williamson Holdings Ltd
- SVS Securities
- Teachers Building Society
- Pink Home Loans
- Williams de Broe
Excluded from INDEX
The following sites were excluded from the INDEX.
- Altium Capital
- Beacon Mortgage Packaging
- DaimlerChrysler Financial Services
- Daiwa Securities SMBC Europe
- First National
- Ford Finance Credit
- Handelsbanken
- Harrods Bank Limited
- KBC Peel Hunt
- MoneyGram International
- One Account
- Panmure Gordon
- Scotiabank
- Smartfundit
- State Street Bank
- Teachers Provident Society
- Dexia Public Finance Bank
- Western Union UK
- Wolsey Securities
- Provecta Car Plan
PDF testing
25.8% 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 |
34.18% |
| url/fetch/badcookie Web server attempted to set invalid cookie |
33.71% |
| url/fetch/unknownstatus Unknown status code received from web server |
20.73% |
| url/fetch/noeoh No end-of-headers found in HTTP response |
4.69% |
| url/fetch/accessdenied Access is denied |
2.84% |
| url/fetch/noaddr Host not found in DNS |
1.90% |
| url/fetch/badscheme URL scheme was unrecognised |
0.93% |
| url/fetch/timeout Timeout downloading file |
0.47% |
| url/fetch/exception Exception while downloading file |
0.26% |
| url/fetch/badstatus Bad HTTP status returned by server |
0.10% |
Top ten code quality failures
The most common categories of code quality failure.
| file/html/missingclose An element is missing the required close tag |
23.06% |
| file/html/unknownentity Unknown entity name |
18.12% |
| file/html/badentity Invalid character in entity |
18.02% |
| file/html/tagnotallowed A start tag has been found in a position in which that element may not appear |
15.08% |
| file/html/badvalue Invalid attribute value |
8.67% |
| file/html/badattr Invalid attribute name |
7.10% |
| file/html/missingattr A start tag is missing required attributes |
2.40% |
| file/html/unknowntag A start or end tag was found which was unrecognised |
1.64% |
| file/html/closingunopened A redundant close tag was found |
1.49% |
| file/html/repeatedattr A tag has been assigned the same attribute more than once |
0.98% |