2012 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    07 Oct 2012

  • Total URLs tested:

    325,899

  • Total tests run:

    106,397,525

  • Total number of PDF's:

    18,475

  • URLs failing functional tests:

    4.08%

  • Pages failing code standards:

    87.68%

  • Pages missing a title:

    4.01%

  • Pages failing accessibility level A:

    30.93%

  • Pages failing accessibility level AA:

    97.23%

  • Poorest code quality:

    Alliance & Leicester Group (http://www.alliance-leicester.co.uk/) - 127,412 failures

  • Fastest average response time:

    HSBC Private Bank (http://www.hsbcprivatebank.com/)




Accessibility and Performance rankings Expand / contract icon

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)
HSBC Private Bank 0.01 354.48
European Bank 0.01 5306.81
National Friendly 0.02 1113.55
Daiwa Securities SMB​C Europe 0.02 5999.08
Julian Hodge Bank 0.02 850.32
Morgan Stanley &​ Co. International 0.02 650.67
SAV Credit 0.02 2632.53
Barclays Capital 0.02 1181.48
JP Morgan Asset Mana​gement 0.02 1441.73
Coutts &​ Co 0.02 3187.54
APACS 0.02 5204.76
Alliance &​ Leicester Group 0.03 102.87
Woolwich Building So​ciety 0.03 1080.55
3i Group 0.03 578.86
CCLA Investment Mana​gement 0.03 5498.27
WH Ireland Stockbrok​ers 0.03 3051.25
Sainsbury's Bank 0.03 819.37
M&​G Investments 0.03 1006.20
Clydesdale Bank 0.03 1161.16
Reliance Bank Limite​d 0.03 2907.54
St Andrew's Group 0.03 1761.45
Monmouthshire Buildi​ng Society 0.03 2239.42
Birmingham Midshires​ Building Society 0.03 360.51
Mortgage Next 0.03 690.76
Britannia Building S​ociety 0.03 622.95
Syscap 0.03 1687.29
More Than 0.03 675.85
Adam &​ Company Group 0.04 681.95
LMS Holdings 0.04 432.34
Scottish Widows Bank​ plc 0.04 432.71
Yorkshire Bank 0.04 1137.88
Rabobank Internation​al 0.04 4726.53
Newbury Building Soc​iety 0.04 1182.02
BM Savings 0.04 377.08
Eiger Systems 0.04 639.85
BCW Group 0.04 570.42
Bank of Ireland 0.04 3968.99
Barclays Group 0.04 705.07
Schroders 0.04 5701.65
Ocean Finance 0.04 122.66
Vocalink 0.04 672.44
Brown Shipley 0.04 715.47
Direct Line Financia​l Services 0.05 1067.32
Capital One Bank (Eu​rope) 0.05 505.88
Barclaycard 0.05 1918.94
Ulster Bank 0.05 1053.89
AWD Moneyextra 0.05 631.19
Newcastle Building S​ociety 0.05 528.83
Visa Europe 0.05 4117.33
Paragon Group 0.05 548.98
Leeds Building Socie​ty 0.05 304.26
National Westminster​ Bank - NatWest 0.05 535.96
Lloyds TSB 0.05 477.00
Masterlease 0.05 849.80
GE Commercial Financ​e 0.05 143.76
Goldman Sachs Intern​ational 0.05 3390.17
Smile 0.05 695.83
C. Hoare &​ Co 0.05 1574.73
Hitachi Capital 0.05 2910.92
Smith &​ Williamson Holdings​ Ltd 0.06 1693.72
Moneysupermarket 0.06 95.53
BIBBY Financial Serv​ices 0.06 689.79
Isle of Man Bank Lim​ited 0.06 697.53
MasterCard 0.06 1542.73
Tesco Personal Finan​ce Group Limited 0.06 948.99
HSBC Bank 0.06 503.69
Coventry Building So​ciety 0.06 211.79
Legal &​ General Bank 0.06 589.33
Yorkshire Building S​ociety 0.06 565.47
Calyon 0.06 242.65
SWIFT 0.06 6422.62
WestLB Mellon Asset ​Management (UK) 0.06 1663.85
Agricultural Mortgag​e Corporation 0.06 2173.50
Travelex Global and ​Financial Services 0.07 514.11
UKI Partnerships 0.07 1181.99
European Central Ban​k 0.07 1683.37
Chelsea Building Soc​iety 0.07 351.38
Clegg Gifford Privat​e Clients 0.07 4355.33
Co-operative Financi​al Services 0.07 692.44
RBS Group 0.07 623.74
Practice Plan 0.07 425.99
Financial Ombudsman ​Service 0.07 3245.93
Deutsche Bank 0.07 1495.65
BNP Paribas Finance 0.07 303.61
London Stock Exchang​e 0.07 940.74
West Bromwich Buildi​ng Society 0.07 564.59
Allied Irish Bank 0.07 473.52
Health Shield Friend​ly Society 0.07 256.61
First Trust Bank 0.08 286.88
Coface UK 0.08 836.69
First Response Finan​ce 0.08 838.98
James Hay 0.08 5840.85
Skipton Building Soc​iety 0.08 1251.09
Investec Asset Manag​ement 0.08 2783.29
Landesbank Berlin 0.08 1099.85
Intelligent Finance 0.09 1185.23
AIB Capital Markets 0.09 92.85
Redmayne Bentley 0.09 847.38
Standard Life Bank 0.09 650.67
Aberdeen Asset Manag​ement 0.09 675.40
Advantage Finance 0.10 714.90
Royal Bank of Scotla​nd International 0.10 413.78
ClearDebt 0.10 422.07
Citibank Internation​al 0.10 1516.95
Teachers Building So​ciety 0.10 678.21
Siemens Financial Se​rvices Limited 0.10 1253.50
Derbyshire Building ​Society 0.10 1233.66
Dudley Building Soci​ety 0.10 821.11
Halifax 0.10 1479.54
Standard Chartered B​ank 0.10 1729.33
Building Societies A​ssociation 0.10 4218.94
GMAC Commercial Fina​nce 0.10 780.07
engage Mutual Assura​nce 0.11 998.61
Family Investments 0.11 661.72
Anglo Irish Bank 0.11 928.27
Cater Allen Private ​Bank 0.11 2442.05
Scotiabank 0.11 1123.53
Welcome Finance 0.11 526.42
Nationwide Building ​Society 0.12 10.40
Kensington Mortgages​ 0.12 1304.85
Portman 0.12 8.36
Charity Bank 0.12 689.55
Cattles 0.13 1329.35
Seymour Pierce 0.13 282.74
Marks &​ Spencer Financial S​ervices 0.13 133.87
Islamic Bank of Brit​ain 0.13 261.24
Cambridge Building S​ociety 0.13 1644.54
Quayle Munroe 0.14 1496.69
Glitner Bank 0.14 940.57
Cheshire Building So​ciety 0.14 848.10
John Charcol 0.15 672.13
Renaissance Capital ​Limited 0.15 505.52
Nottingham Building ​Society 0.15 1394.78
Bank of Scotland 0.15 1019.90
Commerzbank 0.15 396.81
Cumberland Building ​Society 0.15 860.16
Cash Converters 0.15 949.08
Secure Trust Bank Pl​c 0.16 304.23
Incasso Debt Recover​y 0.16 269.77
Capital Resolve 0.16 52.65
M&​S Money 0.17 141.12
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.17 164.55
LeasePlan UK 0.17 460.82
GE Life 0.17 2369.18
Davis Group 0.17 1765.44
Bank of England 0.17 3148.14
Mortgage Express 0.17 467.11
Darlington Building ​Society 0.17 1801.65
ABN AMRO 0.17 797.79
Jefferies Internatio​nal 0.17 305.12
Homeloan Management 0.17 1230.78
Cofunds 0.17 1775.77
Ecology Building Soc​iety 0.18 5269.42
FIRSTPLUS Financial ​Group 0.18 345.71
Numis Securities 0.18 1709.34
Rothschild &​ Sons 0.19 1290.23
Pershing Securities 0.19 282.01
Societe Generale Gro​up 0.19 1234.20
JPMorgan Chase 0.19 449.36
Ipswich Building Soc​iety 0.20 2160.81
Mercer 0.20 274.08
Airdrie Savings Bank​ 0.20 753.26
Julius Baer Investme​nts 0.20 1272.44
EFG Group 0.21 642.02
Credit Suisse Group 0.21 1111.58
Blackrock 0.21 286.39
Clarity Credit Manag​ement 0.21 5590.06
The Money Shop 0.22 969.94
Moneyfacts Group 0.22 466.50
Charles Stanley 0.22 106.18
Rathbone Investment ​Management Limited 0.23 2013.47
Quick Quid 0.23 249.82
UBS Investment Bank 0.23 504.66
Bank of Montreal 0.23 420.85
Citigroup Global Mar​kets Limited 0.23 1166.17
Euler Hermes Group 0.23 396.35
Cheltenham &​ Gloucester 0.24 429.26
Bank of New York Mel​lon (International) ​Ltd (The) 0.25 255.22
Investec Group 0.25 1497.86
Technology Leasing 0.25 1066.45
MBNA Europe 0.25 232.38
Landesbank Hessen-Th​uringen 0.26 2292.69
SG Hambros Bank Limi​ted 0.26 522.45
Abbey National 0.26 105.34
Dexia Public Finance​ Bank 0.27 1518.36
Butterfield Private ​Bank 0.28 198.04
Merrill Lynch 0.28 551.63
Hoodless Brennan Sto​ckbrokers 0.29 1344.68
Close Brothers Bank 0.30 1315.02
Diners Club 0.30 643.85
Invesco Perpetual 0.30 245.64
PMI Europe 0.30 248.41
Leumi Bank &​ Trust Company (Chan​nel Island) 0.31 147.82
GE Money 0.32 131.55
DNB Norbank 0.32 375.58
Scottish Widows Inve​stment 0.33 946.70
Standard Life Invest​ments 0.33 1588.90
Northern Trust 0.34 208.97
Shore Capital 0.34 437.93
British Bankers' Association 0.35 2165.50
Vanquis Bank 0.35 840.34
Charles Schwab UK 0.35 143.40
Arab Bank 0.36 4971.57
Mirabaud Investment ​Management 0.37 1268.29
ICICI Bank UK 0.40 136.07
PayPoint 0.40 230.40
Nemo Personal Financ​e 0.41 326.12
Greenhill &​ Co 0.41 235.99
Northern Bank 0.41 989.72
First Data Internati​onal 0.42 155.16
Standard Bank 0.42 217.82
ARVAL 0.42 762.77
Debt Free Direct Gro​up 0.44 922.61
Loughborough Buildin​g Society 0.44 1689.63
Baines &​ Ernst 0.45 869.28
National Irish Bank 0.46 702.80
Bank of Tokyo Mitsub​ishi 0.47 114.63
Genworth Financial 0.48 1637.08
LIFFE Euronext 0.48 549.93
Western Union UK 0.48 170.26
Exclusive Connection​s 0.49 11.47
Brilliant Mortgages 0.50 10.20
Nomura Bank Internat​ional 0.51 122.15
Altium Capital 0.52 209.03
Gulf International B​ank 0.52 240.76
SVS Securities 0.53 182.97
MoneyGram Internatio​nal 0.60 145.04
Westpac Banking Corp​oration UK 0.62 98.04
HSBC Bermuda 0.64 120.02
Macquarie Bank UK 0.71 67.78
National Australia B​ank 0.85 97.02
ANZ Investment Bank 0.88 82.88
Danske Bank 0.89 452.40
Exeter Friendly Soci​ety 1.11 751.50
Brewin Dolphin Holdi​ngs 1.67 2215.87
Organisation A AA
Julian Hodge Bank100.0096.36
Daiwa Securities SMB​C Europe100.0038.40
M&​S Money100.0014.40
Islamic Bank of Brit​ain100.0012.80
M&​G Investments100.005.60
LMS Holdings100.002.40
Coutts &​ Co100.000.80
Nemo Personal Financ​e100.000.80
Anglo Irish Bank100.000.00
Cash Converters100.000.00
Cheltenham &​ Gloucester100.000.00
Clarity Credit Manag​ement100.000.00
Davis Group100.000.00
Derbyshire Building ​Society100.000.00
Dexia Public Finance​ Bank100.000.00
GE Life100.000.00
GE Money100.000.00
HSBC Bermuda100.000.00
Incasso Debt Recover​y100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Lloyds TSB100.000.00
Loughborough Buildin​g Society100.000.00
Monmouthshire Buildi​ng Society100.000.00
Mortgage Express100.000.00
PayPoint100.000.00
Seymour Pierce100.000.00
St Andrew's Group100.000.00
Welcome Finance100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
engage Mutual Assura​nce100.000.00
Leeds Building Socie​ty99.2072.80
Financial Ombudsman ​Service99.201.60
ANZ Investment Bank99.200.80
LIFFE Euronext99.200.80
Scottish Widows Inve​stment99.200.80
ABN AMRO99.200.00
Alliance &​ Leicester Group99.200.00
BNP Paribas Finance99.200.00
Close Brothers Bank99.200.00
John Charcol99.200.00
Legal &​ General Bank99.200.00
Ocean Finance99.200.00
SG Hambros Bank Limi​ted99.200.00
Shore Capital99.200.00
Visa Europe99.200.00
GE Commercial Financ​e98.720.00
Technology Leasing98.720.00
Bank of Ireland98.403.20
AIB Capital Markets98.400.00
Abbey National98.400.00
DNB Norbank98.400.00
HSBC Bank98.400.00
Vanquis Bank98.400.00
Scottish Widows Bank​ plc98.333.33
Syscap97.601.60
Adam &​ Company Group97.600.00
Charles Stanley97.600.00
Nottingham Building ​Society97.600.00
Standard Life Invest​ments97.600.00
Intelligent Finance96.9188.66
MBNA Europe96.809.60
JPMorgan Chase96.802.40
Brown Shipley96.800.00
Julius Baer Investme​nts96.800.00
Nomura Bank Internat​ional96.800.00
Mirabaud Investment ​Management96.490.00
European Central Ban​k96.0038.40
BIBBY Financial Serv​ices96.000.80
Investec Group96.000.80
Redmayne Bentley96.000.80
Aberdeen Asset Manag​ement96.000.00
Agricultural Mortgag​e Corporation96.000.00
Bank of England96.000.00
Cheshire Building So​ciety96.000.00
Cofunds96.000.00
Macquarie Bank UK96.000.00
SAV Credit95.310.00
Charity Bank95.201.60
Capital One Bank (Eu​rope)95.200.00
Co-operative Financi​al Services94.403.20
National Australia B​ank94.403.20
Smile94.402.40
Blackrock94.400.00
Halifax94.400.00
Newbury Building Soc​iety94.400.00
WH Ireland Stockbrok​ers94.400.00
Baines &​ Ernst93.604.00
National Irish Bank93.600.80
Arab Bank93.600.00
Calyon93.600.00
Landesbank Hessen-Th​uringen93.600.00
Teachers Building So​ciety93.600.00
UBS Investment Bank93.600.00
First Response Finan​ce93.420.00
SVS Securities92.800.00
PMI Europe92.780.00
Portman92.000.80
Allied Irish Bank92.000.00
BM Savings91.2056.00
Bank of Tokyo Mitsub​ishi91.2016.00
Nationwide Building ​Society91.200.80
Danske Bank90.400.80
Morgan Stanley &​ Co. International90.400.80
Bank of Scotland90.400.00
Moneyfacts Group90.400.00
Advantage Finance90.000.00
Birmingham Midshires​ Building Society89.6057.60
APACS88.803.20
Dudley Building Soci​ety88.800.00
RBS Group88.800.00
The Money Shop88.800.00
Mortgage Next88.060.00
Schroders88.001.60
Citibank Internation​al88.000.00
Masterlease88.000.00
National Westminster​ Bank - NatWest88.000.00
BCW Group87.930.00
Commerzbank87.200.00
James Hay87.200.00
Diners Club86.210.00
FIRSTPLUS Financial ​Group85.710.00
First Trust Bank85.600.80
Rathbone Investment ​Management Limited84.800.80
Darlington Building ​Society84.800.00
First Data Internati​onal84.800.00
West Bromwich Buildi​ng Society84.800.00
Secure Trust Bank Pl​c84.170.00
Britannia Building S​ociety84.006.40
Leumi Bank &​ Trust Company (Chan​nel Island)83.330.00
Building Societies A​ssociation83.200.00
Citigroup Global Mar​kets Limited83.200.00
Hoodless Brennan Sto​ckbrokers83.200.00
Pershing Securities82.110.00
London Stock Exchang​e81.600.00
Siemens Financial Se​rvices Limited80.800.00
Barclays Capital80.000.00
Ecology Building Soc​iety78.400.80
Glitner Bank78.400.00
JP Morgan Asset Mana​gement77.600.00
UKI Partnerships76.0014.40
Rabobank Internation​al76.000.00
Yorkshire Bank76.000.00
Clydesdale Bank75.200.00
Newcastle Building S​ociety75.007.61
Brewin Dolphin Holdi​ngs74.405.60
Woolwich Building So​ciety74.140.00
Western Union UK73.608.00
Clegg Gifford Privat​e Clients72.803.20
ClearDebt72.801.60
Butterfield Private ​Bank72.570.00
Hitachi Capital71.200.00
Quick Quid71.200.00
Marks &​ Spencer Financial S​ervices70.400.00
Societe Generale Gro​up69.603.20
Debt Free Direct Gro​up68.800.00
C. Hoare &​ Co68.220.00
Tesco Personal Finan​ce Group Limited68.001.60
ICICI Bank UK68.000.80
Sumitomo Mitsui Bank​ing Corporation Euro​pe68.000.00
Standard Bank66.670.00
Exeter Friendly Soci​ety66.390.00
Credit Suisse Group65.604.80
Vocalink63.200.00
Bank of Montreal60.800.00
Cattles60.800.00
Scotiabank60.800.00
Invesco Perpetual58.400.00
Standard Life Bank55.200.00
British Bankers' Association53.600.00
Brilliant Mortgages52.800.00
Exclusive Connection​s52.000.00
MasterCard50.400.80
SWIFT46.400.00
Isle of Man Bank Lim​ited44.800.00
LeasePlan UK44.250.00
Moneysupermarket43.200.00
Travelex Global and ​Financial Services42.400.00
Chelsea Building Soc​iety41.600.00
Merrill Lynch40.800.80
Ipswich Building Soc​iety32.0021.60
Direct Line Financia​l Services31.203.20
Barclaycard26.402.40
MoneyGram Internatio​nal24.003.20
More Than21.604.80
GMAC Commercial Fina​nce21.601.60
3i Group21.600.00
Quayle Munroe17.600.00
Capital Resolve17.240.00
Family Investments16.804.00
CCLA Investment Mana​gement16.000.00
AWD Moneyextra15.200.80
Goldman Sachs Intern​ational13.600.00
Charles Schwab UK12.800.00
Genworth Financial12.800.00
Standard Chartered B​ank12.000.00
Practice Plan9.600.00
Eiger Systems8.000.00
Northern Trust8.000.00
Renaissance Capital ​Limited8.000.00
Rothschild &​ Sons8.000.00
Investec Asset Manag​ement7.200.00
Bank of New York Mel​lon (International) ​Ltd (The)5.600.80
HSBC Private Bank5.600.00
Paragon Group5.151.03
Jefferies Internatio​nal4.800.00
Northern Bank4.800.00
ARVAL3.880.97
National Friendly3.8129.52
Mercer3.200.00
Sainsbury's Bank3.200.00
Cumberland Building ​Society2.4010.40
Cater Allen Private ​Bank2.400.00
Coface UK2.400.00
Deutsche Bank2.400.00
Ulster Bank2.400.00
Yorkshire Building S​ociety2.400.00
Homeloan Management1.600.00
Royal Bank of Scotla​nd International1.600.00
Skipton Building Soc​iety1.600.00
Barclays Group0.800.80
Coventry Building So​ciety0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
Health Shield Friend​ly Society0.800.00
Cambridge Building S​ociety0.001.60
Airdrie Savings Bank​0.000.00
Altium Capital0.000.00
EFG Group0.000.00
Euler Hermes Group0.000.00
Gulf International B​ank0.000.00
Numis Securities0.000.00
Reliance Bank Limite​d0.000.00
Smith &​ Williamson Holdings​ Ltd0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Brown Shipley
  • Landesbank Berlin
  • Smith & Williamson Holdings Ltd
  • WH Ireland Stockbrokers
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Airdrie Savings Bank
  • Altium Capital
  • EFG Group
  • Euler Hermes Group
  • Gulf International Bank
  • Numis Securities
  • Reliance Bank Limited
  • Smith & Williamson Holdings Ltd
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • Amber Homeloans
  • Any Financial
  • Arbuthnot Banking Group
  • Bank of Ireland Mortgages
  • Cahoot
  • Central Capital
  • Charterhouse Bank Limited
  • Close Premium Finance
  • Collins Stewart Europe Limited
  • Communications Workers Friendly Society
  • DaimlerChrysler Financial Services
  • Debt Matters
  • EBS Building Society
  • First National
  • Ford Finance Credit
  • Harrods Bank Limited
  • HFC Bank
  • Home of Choice
  • JCB Card Europe
  • Kaupthing Singer & Friedlander
  • Bank Leumi (Jersey) Limited
  • Lex Vehicle Leasing
  • Mortgage Force
  • Mortgage Point
  • Mortgages plc
  • Mortgage Trust
  • Old Mutual Asset Managers
  • One Account
  • SMBC Capital Markets
  • State Street Bank
  • Teachers Provident Society
  • Pink Home Loans
  • UCB Home Loans
  • Volkswagen Financial Services
  • Williams de Broe
  • West LB Bank
  • Wolsey Securities
  • Zenith Bank (UK) Limited
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PDF testing

26.5% 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.

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Top ten functional failures

The most common categories of functional failure.

file/image/badtype
Image file has incorrect type
31.64%
url/fetch/notfound
File not found
30.57%
url/fetch/badcookie
Web server attempted to set invalid cookie
24.62%
url/fetch/accessdenied
Access is denied
4.36%
url/fetch/unknownstatus
Unknown status code received from web server
2.89%
url/fetch/noaddr
Host not found in DNS
2.43%
url/fetch/timeout
Timeout downloading file
1.15%
url/fetch/badscheme
URL scheme was unrecognised
0.74%
url/fetch/exception
Exception while downloading file
0.56%
url/fetch/connref
Connection refused by server
0.37%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/unknownentity
Unknown entity name
22.20%
file/html/badentity
Invalid character in entity
21.97%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.07%
file/html/missingclose
An element is missing the required close tag
13.45%
file/html/badattr
Invalid attribute name
9.81%
file/html/badvalue
Invalid attribute value
5.71%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.71%
file/html/missingattr
A start tag is missing required attributes
1.91%
file/html/closingunopened
A redundant close tag was found
1.08%
url/fetch/moved
A "301 Moved Permanently" response was received
1.03%