Consumer Finance Qtr 4 2011

	First	Intelligent Finance		Gained	105
	Last	MoneyGram International		Fallen	142
	Up 232	Central Capital		Same	4
	Down 225	Seymour Pierce		New	22

Intelligent Finance Julian Hodge Bank Clarity Credit Management Welcome Finance Central Capital	Commerzbank Genworth Financial Northern Trust EBS Building Society MoneyGram International	Central Capital (+232) Quayle Munroe (+209) Danske Bank (+170) St Andrew's Group (+156) Renaissance Capital Limited (+147)	Secure Trust Bank Plc (-148) Debt Free Direct Group (-161) Stroud and Swindon Building Society (-194) GMAC RFC (-216) Seymour Pierce (-225)

This table shows the slowest sites based on item loading times. A response time above 0.75 seconds can have a negative effect on user experience. Not the table to be on top of…	It's against the disability discrimination act to have a website which isn't accessible. Google also indexes accessible websites far better. Table below shows the % of pages FAILING (100% means every page had an issue).
Organisation Avg. Slowest Slowest Woolwich Building So​ciety 22.57 41.07 Brewin Dolphin Holdi​ngs 22.32 28.88 Lex Vehicle Leasing 15.63 70.59 Genworth Financial 14.57 52.31 Julius Baer Investme​nts 14.39 19.00 Moneysupermarket 10.01 22.61 National Irish Bank 9.07 37.39 Vanquis Bank 8.26 24.57 Investec Asset Manag​ement 8.21 14.66 Danske Bank 8.15 36.05 Charles Stanley 7.67 15.01 Societe Generale Gro​up 7.25 9.37 Debt Free Direct Gro​up 6.86 9.38 Collins Stewart Euro​pe Limited 6.81 13.02 Northern Bank 6.79 33.45 Barclays Group 6.73 10.72 Birmingham Midshires​ Building Society 5.57 10.34 Scottish Widows Inve​stment 5.54 21.60 Nemo Personal Financ​e 5.41 10.02 Anglo Irish Bank 5.41 45.93 Macquarie Bank UK 5.33 9.61 Standard Life Invest​ments 5.26 16.06 British Bankers' Association 5.25 7.20 Cofunds 5.19 39.30 Barclays Capital 5.11 11.63 EBS Building Society​ 4.63 6.52 Moneyfacts Group 4.13 4.39 Westpac Banking Corp​oration UK 4.10 10.84 BM Savings 3.81 8.03 Lloyds TSB 3.74 3.81 HSBC Bank 3.46 7.17 GMAC Commercial Fina​nce 3.44 4.98 Barclaycard 3.43 13.83 M&​S Money 3.34 10.06 Standard Life Bank 3.31 7.13 ARVAL 3.31 4.13 Baines &​ Ernst 3.29 6.20 Practice Plan 3.23 3.96 Islamic Bank of Brit​ain 3.21 3.58 Nationwide Building ​Society 3.13 7.58 Tesco Personal Finan​ce Group Limited 3.12 3.65 Portman 3.06 3.46 The Money Shop 3.00 8.58 GE Life 2.95 5.04 Bank of Scotland 2.92 15.42 Ipswich Building Soc​iety 2.87 5.85 Derbyshire Building ​Society 2.86 3.19 Leumi Bank &​ Trust Company (Chan​nel Island) 2.82 3.71 Northern Trust 2.81 4.89 UBS Investment Bank 2.73 6.44 MoneyGram Internatio​nal 2.66 4.11 Landesbank Hessen-Th​uringen 2.62 3.79 Gulf International B​ank 2.42 4.38 Arab Bank 2.38 6.83 Davis Group 2.30 3.01 Homeloan Management 2.29 2.49 Close Brothers Bank 2.26 4.32 Schroders 2.26 4.16 Cumberland Building ​Society 2.25 3.95 Mercer 2.12 4.11 ABN AMRO 2.07 8.62 National Australia B​ank 2.06 3.65 Redmayne Bentley 2.06 4.52 Hoodless Brennan Sto​ckbrokers 2.06 4.84 Bank of Montreal 1.94 5.65 Calyon 1.92 5.32 Citigroup Global Mar​kets Limited 1.92 3.72 Glitner Bank 1.90 3.28 Ocean Finance 1.90 3.10 Rothschild &​ Sons 1.86 2.27 KBC Peel Hunt 1.85 3.50 Cash Converters 1.84 3.38 SVS Securities 1.84 6.42 Halifax 1.80 2.29 HSBC Bermuda 1.80 2.21 Bank Leumi (Jersey) ​Limited 1.79 3.81 Nottingham Building ​Society 1.78 8.92 Exeter Friendly Soci​ety 1.60 3.15 National Deposit Fri​endly Society 1.59 13.92 ANZ Investment Bank 1.54 1.59 ClearDebt 1.52 3.26 Shore Capital 1.51 3.63 Ecology Building Soc​iety 1.49 5.76 Financial Ombudsman ​Service 1.48 9.01 Cheltenham &​ Gloucester 1.45 3.01 Yorkshire Building S​ociety 1.44 11.76 Blackrock 1.40 3.20 Leeds Building Socie​ty 1.39 3.26 Seymour Pierce 1.37 4.28 Capital One Bank (Eu​rope) 1.36 2.29 Bank of Ireland 1.30 2.00 First Trust Bank 1.28 3.10 AWD Moneyextra 1.26 2.44 PayPoint 1.26 3.44 JCB Card Europe 1.25 2.43 Mortgage Trust 1.24 1.73 Charity Bank 1.24 1.54 Allied Irish Bank 1.23 3.52 Paragon Group 1.22 1.84 Invesco Perpetual 1.21 2.72 Scotiabank 1.21 6.54 SG Hambros Bank Limi​ted 1.21 1.38 LIFFE Euronext 1.20 2.52 Greenhill &​ Co 1.19 3.90 Dexia Public Finance​ Bank 1.17 1.41 Building Societies A​ssociation 1.14 1.35 Marks &​ Spencer Financial S​ervices 1.14 1.49 Rathbone Investment ​Management Limited 1.10 1.64 Britannia Building S​ociety 1.09 7.65 Loughborough Buildin​g Society 1.07 1.35 MasterCard 1.07 4.71 Coface UK 1.05 2.99 WestLB Mellon Asset ​Management (UK) 1.04 3.12 FIRSTPLUS Financial ​Group 1.03 1.12 Airdrie Savings Bank​ 1.02 1.42 Visa Europe 1.02 1.32 Cattles 1.02 2.16 Co-operative Financi​al Services 1.01 3.06 London Stock Exchang​e 0.99 4.48 Quayle Munroe 0.99 4.25 More Than 0.98 7.05 Clydesdale Bank 0.93 1.40 Aberdeen Asset Manag​ement 0.92 1.85 Charles Schwab UK 0.91 1.28 Old Mutual Asset Man​agers 0.89 1.92 Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.89 1.28 Landesbank Berlin 0.89 3.06 Credit Suisse Group 0.84 1.79 Bank of New York Mel​lon (International) ​Ltd (The) 0.82 2.03 ICICI Bank UK 0.82 1.52 First Data Internati​onal 0.81 1.53 Standard Chartered B​ank 0.81 1.10 Skipton Building Soc​iety 0.81 1.02 engage Mutual Assura​nce 0.81 3.02 Smile 0.81 3.01 Central Capital 0.80 1.29 Scottish Widows Bank​ plc 0.80 1.80 Coventry Building So​ciety 0.78 1.36 Royal Bank of Scotla​nd International 0.77 0.95 Secure Trust Bank Pl​c 0.77 1.08 Syscap 0.76 1.09 Bank of Ireland Mort​gages 0.75 3.05 European Central Ban​k 0.75 3.44	Organisation (Click to list alphabetically) A AA Advantage Finance 100.00 100.00 Airdrie Savings Bank​ 100.00 100.00 Any Financial 100.00 100.00 Arbuthnot Banking Gr​oup 100.00 100.00 Bank Leumi (Jersey) ​Limited 100.00 100.00 British Credit Trust​ 100.00 100.00 Butterfield Private ​Bank 100.00 100.00 Cambridge Building S​ociety 100.00 100.00 Close Premium Financ​e 100.00 100.00 Debt Matters 100.00 100.00 EFG Group 100.00 100.00 Euler Hermes Group 100.00 100.00 GMAC RFC 100.00 100.00 Gulf International B​ank 100.00 100.00 Health Shield Friend​ly Society 100.00 100.00 Kaupthing Singer &​ Friedlander 100.00 100.00 LeasePlan UK 100.00 100.00 Leumi Bank &​ Trust Company (Chan​nel Island) 100.00 100.00 Lex Vehicle Leasing 100.00 100.00 Numis Securities 100.00 100.00 PayPoint 100.00 100.00 Pink Home Loans 100.00 100.00 Reliance Bank Limite​d 100.00 100.00 Sage Financial Servi​ces 100.00 100.00 Williams de Broe 100.00 100.00 Cater Allen Private ​Bank 99.20 100.00 Coventry Building So​ciety 99.20 100.00 Greenhill &​ Co 99.20 100.00 JCB Card Europe 99.20 100.00 LIFFE Euronext 99.20 100.00 Mercer 99.20 100.00 Mirabaud Investment ​Management 99.20 100.00 GE Commercial Financ​e 98.98 100.00 Commerzbank 98.40 100.00 Hoodless Brennan Sto​ckbrokers 98.40 100.00 Investec Asset Manag​ement 98.40 100.00 Smith &​ Williamson Holdings​ Ltd 98.40 100.00 Deutsche Bank 97.60 100.00 Genworth Financial 97.60 100.00 Jefferies Internatio​nal 97.60 100.00 BIBBY Financial Serv​ices 97.60 97.60 EBS Building Society​ 96.80 100.00 Baines &​ Ernst 96.80 98.40 BNP Paribas Finance 96.77 100.00 ARVAL 96.20 100.00 National Deposit Fri​endly Society 96.19 69.52 Coface UK 96.00 100.00 Yorkshire Building S​ociety 96.00 100.00 Harrods Bank Limited​ 95.24 100.00 HSBC Private Bank 95.20 100.00 Renaissance Capital ​Limited 95.20 100.00 Investec Group 93.60 100.00 Diners Club 93.20 100.00 Northern Trust 92.00 100.00 European Bank 91.20 100.00 Quayle Munroe 89.60 99.20 AWD Moneyextra 88.00 100.00 James Hay 88.00 100.00 Family Investments 87.78 100.00 Sainsbury's Bank 87.20 100.00 Wolsey Securities 85.71 92.86 Charles Schwab UK 85.60 100.00 Practice Plan 85.60 100.00 GMAC Commercial Fina​nce 85.60 97.60 CCLA Investment Mana​gement 85.14 100.00 Paragon Group 85.00 98.33 3i Group 83.20 100.00 Kensington Mortgages​ 82.93 100.00 Rothschild &​ Sons 80.80 81.60 MoneyGram Internatio​nal 77.60 100.00 Stroud and Swindon B​uilding Society 73.53 100.00 Direct Line Financia​l Services 72.00 100.00 Travelex Global and ​Financial Services 71.20 100.00 Quick Quid 70.40 100.00 Secure Trust Bank Pl​c 67.95 98.72 Scotiabank 66.40 100.00 Western Union UK 66.40 92.00 ClearDebt 64.00 100.00 Bank of Ireland Mort​gages 61.76 100.00 Mortgage Trust 59.09 100.00 Ocean Finance 57.60 100.00 Merrill Lynch 56.80 99.20 SWIFT 55.20 100.00 British Bankers' Association 53.60 100.00 MasterCard 50.40 100.00 Moneysupermarket 49.60 96.80 Hitachi Capital 48.00 100.00 Home of Choice 45.30 100.00 Standard Life Bank 44.80 100.00 Redmayne Bentley 44.00 99.20 Barclays Capital 43.20 100.00 Citigroup Global Mar​kets Limited 43.20 100.00 Eiger Systems 43.20 100.00 Citibank Internation​al 39.24 100.00 Landesbank Hessen-Th​uringen 38.40 100.00 Collins Stewart Euro​pe Limited 37.60 100.00 Zenith Bank (UK) Lim​ited 37.50 100.00 Cattles 36.80 100.00 The Money Shop 36.80 100.00 Bank of England 36.00 100.00 Nomura Bank Internat​ional 36.00 100.00 Building Societies A​ssociation 35.20 100.00 West Bromwich Buildi​ng Society 35.20 100.00 UBS Investment Bank 34.40 100.00 Cahoot 33.33 100.00 HSBC Bank 33.33 100.00 Sumitomo Mitsui Bank​ing Corporation Euro​pe 32.80 100.00 Standard Bank 32.73 100.00 C. Hoare &​ Co 31.48 100.00 Tesco Personal Finan​ce Group Limited 31.20 95.20 Societe Generale Gro​up 29.60 98.40 Homeloan Management 28.80 100.00 Ulster Bank 28.80 100.00 Woolwich Building So​ciety 28.33 100.00 Scottish Widows Bank​ plc 28.00 97.60 Mortgage Force 25.00 100.00 More Than 24.80 93.60 Chelsea Building Soc​iety 23.20 100.00 Northern Bank 23.20 100.00 M&​S Money 23.20 83.20 Marks &​ Spencer Financial S​ervices 22.40 100.00 Technology Leasing 21.74 100.00 Standard Chartered B​ank 20.80 100.00 ICICI Bank UK 20.00 99.20 Calyon 18.40 100.00 First Data Internati​onal 18.40 100.00 Pershing Securities 17.95 100.00 Yorkshire Bank 17.60 99.20 Clydesdale Bank 16.00 100.00 Dudley Building Soci​ety 15.79 100.00 Bank of Montreal 15.20 100.00 Darlington Building ​Society 15.20 100.00 London Stock Exchang​e 15.20 100.00 Cash Converters 14.40 100.00 Allied Irish Bank 13.60 100.00 First Trust Bank 13.60 99.20 FIRSTPLUS Financial ​Group 13.60 97.60 National Westminster​ Bank - NatWest 12.80 100.00 Danske Bank 12.80 99.20 Rathbone Investment ​Management Limited 12.80 99.20 Rabobank Internation​al 12.00 100.00 BCW Group 11.32 100.00 Bank of Scotland 11.20 100.00 Vocalink 11.20 100.00 Old Mutual Asset Man​agers 10.00 100.00 Agricultural Mortgag​e Corporation 9.60 100.00 Halifax 9.60 100.00 Newbury Building Soc​iety 8.80 100.00 Capital One Bank (Eu​rope) 7.20 100.00 JP Morgan Asset Mana​gement 7.20 100.00 Newcastle Building S​ociety 7.20 100.00 Vanquis Bank 7.20 100.00 National Irish Bank 7.20 99.20 Blackrock 6.40 100.00 Glitner Bank 6.40 100.00 Schroders 6.40 100.00 Credit Suisse Group 6.40 88.80 Bank of Tokyo Mitsub​ishi 6.25 87.50 Exclusive Connection​s 6.19 100.00 First Response Finan​ce 5.60 100.00 Smile 5.60 100.00 Arab Bank 5.60 86.40 Masterlease 5.60 82.40 UKI Partnerships 5.56 96.30 Brilliant Mortgages 5.15 100.00 HFC Bank 5.00 100.00 Purely Mortgages 5.00 100.00 SAV Credit 5.00 100.00 Invesco Perpetual 4.85 99.03 Moneyfacts Group 4.80 100.00 Morgan Stanley &​ Co. International 4.80 99.20 The Funding Corporat​ion 4.17 100.00 Close Brothers Bank 4.00 100.00 Davis Group 4.00 100.00 Macquarie Bank UK 4.00 99.20 RBS Group 4.00 99.20 Scottish Widows Inve​stment 4.00 99.20 Britannia Building S​ociety 4.00 92.80 Isle of Man Bank Lim​ited 3.20 100.00 MBNA Europe 3.20 100.00 PMI Europe 3.20 100.00 SVS Securities 3.20 100.00 Skipton Building Soc​iety 3.20 100.00 Syscap 3.20 100.00 West LB Bank 3.20 100.00 Brown Shipley 2.56 99.15 Abbey National 2.40 100.00 European Central Ban​k 2.40 100.00 Scarborough Building​ Society 2.40 100.00 WestLB Mellon Asset ​Management (UK) 2.40 100.00 engage Mutual Assura​nce 2.40 100.00 JPMorgan Chase 2.40 99.20 Nationwide Building ​Society 2.40 99.20 Portman 2.40 99.20 Co-operative Financi​al Services 2.40 97.60 Ipswich Building Soc​iety 2.40 91.20 GE Money 2.20 100.00 National Cash Advanc​e 1.72 93.10 Charity Bank 1.60 100.00 Charles Stanley 1.60 100.00 Nottingham Building ​Society 1.60 100.00 Shore Capital 1.60 100.00 Bank of New York Mel​lon (International) ​Ltd (The) 1.60 98.40 Mellon 1.60 98.40 LMS Holdings 1.60 97.60 Bank of Ireland 1.60 96.00 Alliance &​ Leicester Group 1.60 60.00 Leeds Building Socie​ty 1.60 34.40 AIB Capital Markets 0.80 100.00 ANZ Investment Bank 0.80 100.00 APACS 0.80 100.00 Cofunds 0.80 100.00 DNB Norbank 0.80 100.00 Debt Free Direct Gro​up 0.80 100.00 Goldman Sachs Intern​ational 0.80 100.00 Julius Baer Investme​nts 0.80 100.00 Loughborough Buildin​g Society 0.80 100.00 Royal Bank of Scotla​nd International 0.80 100.00 Teachers Building So​ciety 0.80 100.00 Financial Ombudsman ​Service 0.80 98.40 Dresdner Kleinwort 0.80 96.80 GE Life 0.80 85.60 ABN AMRO 0.00 100.00 Aberdeen Asset Manag​ement 0.00 100.00 Adam &​ Company Group 0.00 100.00 Amber Homeloans 0.00 100.00 Anglo Irish Bank 0.00 100.00 Barclays Group 0.00 100.00 Clarity Credit Manag​ement 0.00 100.00 Coutts &​ Co 0.00 100.00 Cumberland Building ​Society 0.00 100.00 Derbyshire Building ​Society 0.00 100.00 Exeter Friendly Soci​ety 0.00 100.00 HSBC Bermuda 0.00 100.00 Incasso Debt Recover​y 0.00 100.00 John Charcol 0.00 100.00 KBC Peel Hunt 0.00 100.00 Landesbank Berlin 0.00 100.00 Legal &​ General Bank 0.00 100.00 Lloyds TSB 0.00 100.00 Monmouthshire Buildi​ng Society 0.00 100.00 Mortgage Express 0.00 100.00 Mortgage Point 0.00 100.00 Mortgages plc 0.00 100.00 National Australia B​ank 0.00 100.00 SG Hambros Bank Limi​ted 0.00 100.00 SMBC Capital Markets​ 0.00 100.00 Seymour Pierce 0.00 100.00 St Andrew's Group 0.00 100.00 UCB Home Loans 0.00 100.00 Visa Europe 0.00 100.00 Volkswagen Financial​ Services 0.00 100.00 WH Ireland Stockbrok​ers 0.00 100.00 Welcome Finance 0.00 100.00 Westpac Banking Corp​oration UK 0.00 100.00 Cheltenham &​ Gloucester 0.00 99.20 Nemo Personal Financ​e 0.00 99.20 Standard Life Invest​ments 0.00 99.20 Cheshire Building So​ciety 0.00 98.40 Dexia Public Finance​ Bank 0.00 98.40 BM Savings 0.00 95.20 M&​G Investments 0.00 94.40 Birmingham Midshires​ Building Society 0.00 92.80 Communications Worke​rs Friendly Society 0.00 92.00 Barclaycard 0.00 84.80 Charterhouse Bank Li​mited 0.00 57.89 Daiwa Securities SMB​C Europe 0.00 50.40 Brewin Dolphin Holdi​ngs 0.00 44.00 Islamic Bank of Brit​ain 0.00 36.80 Ecology Building Soc​iety 0.00 31.45 Intelligent Finance 0.00 4.55 Julian Hodge Bank 0.00 2.44 Central Capital 0.00 0.00

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