Consumer Finance Qtr 1 2012

	First	Julian Hodge Bank		Gained	156
	Last	EBS Building Society		Fallen	97
	Up 165	Communications Workers Friendly Society		Same	9
	Down 118	Volkswagen Financial Services		New	4

Julian Hodge Bank Welcome Finance Intelligent Finance Derbyshire Building Society Charterhouse Bank Limited	ANZ Investment Bank Hoodless Brennan Stockbrokers Northern Trust MoneyGram International EBS Building Society	Communications Workers Friendly Society (+165) Homeloan Management (+137) Amber Homeloans (+117) Charles Stanley (+116) Baines & Ernst (+91)	Co-operative Financial Services (-94) 3i Group (-95) Mortgage Express (-96) Teachers Building Society (-107) Volkswagen Financial Services (-118)

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 Brewin Dolphin Holdi​ngs 27.20 32.59 Vanquis Bank 14.70 37.77 Barclays Capital 14.54 36.07 Baines &​ Ernst 11.94 93.16 EBS Building Society​ 8.99 25.27 Moneysupermarket 8.42 9.74 Northern Bank 7.65 34.48 Genworth Financial 6.95 10.15 Scottish Widows Inve​stment 6.56 26.82 Western Union UK 6.28 21.36 Danske Bank 6.09 36.45 SVS Securities 5.92 44.20 Nemo Personal Financ​e 5.66 8.88 Investec Asset Manag​ement 5.24 6.39 National Irish Bank 4.91 6.06 Moneyfacts Group 4.78 10.65 Northern Trust 4.62 6.14 Standard Life Invest​ments 4.20 12.71 Lloyds TSB 4.18 5.84 Debt Free Direct Gro​up 3.70 5.50 Macquarie Bank UK 3.62 6.64 Masterlease 3.60 7.69 Hoodless Brennan Sto​ckbrokers 3.35 11.38 Collins Stewart Euro​pe Limited 3.34 3.58 Landesbank Hessen-Th​uringen 3.25 3.92 MoneyGram Internatio​nal 3.14 5.34 WestLB Mellon Asset ​Management (UK) 3.09 12.20 Westpac Banking Corp​oration UK 3.07 4.24 Societe Generale Gro​up 3.05 6.57 M&​S Money 2.86 9.87 ANZ Investment Bank 2.80 4.18 Barclays Group 2.68 4.15 The Money Shop 2.65 8.34 Ipswich Building Soc​iety 2.62 4.72 Shore Capital 2.58 2.94 Newbury Building Soc​iety 2.57 4.39 British Bankers' Association 2.54 4.56 Davis Group 2.51 4.09 Mercer 2.45 7.35 Bank of Montreal 2.41 4.71 Schroders 2.41 4.17 Lex Vehicle Leasing 2.37 9.94 GE Life 2.36 3.35 Redmayne Bentley 2.13 4.69 Nottingham Building ​Society 1.97 10.22 ARVAL 1.96 3.00 Nationwide Building ​Society 1.87 7.65 Dexia Public Finance​ Bank 1.82 2.07 HSBC Bermuda 1.78 4.02 GMAC Commercial Fina​nce 1.78 5.45 DNB Norbank 1.75 5.18 Leumi Bank &​ Trust Company (Chan​nel Island) 1.72 2.32 Cattles 1.65 7.85 Homeloan Management 1.63 2.98 Gulf International B​ank 1.62 3.70 Charles Stanley 1.62 2.98 Landesbank Berlin 1.56 3.06 Paragon Group 1.56 3.03 Marks &​ Spencer Financial S​ervices 1.55 3.46 ABN AMRO 1.54 9.55 Mellon 1.52 9.49 Bank of Ireland 1.52 4.82 Charles Schwab UK 1.52 3.83 Cheltenham &​ Gloucester 1.50 3.01 National Australia B​ank 1.48 1.70 Greenhill &​ Co 1.48 1.64 Building Societies A​ssociation 1.48 3.05 Rothschild &​ Sons 1.47 2.18 AIB Capital Markets 1.43 6.33 JCB Card Europe 1.35 3.24 UBS Investment Bank 1.34 5.73 ClearDebt 1.32 2.22 Charity Bank 1.28 1.93 Loughborough Buildin​g Society 1.28 1.87 Tesco Personal Finan​ce Group Limited 1.22 2.28 AWD Moneyextra 1.20 4.22 Invesco Perpetual 1.13 2.49 Arab Bank 1.09 1.35 Visa Europe 1.08 1.30 SG Hambros Bank Limi​ted 1.08 1.22 EFG Group 1.07 1.24 Glitner Bank 1.07 2.92 Coface UK 1.07 2.02 Rathbone Investment ​Management Limited 1.05 2.01 Anglo Irish Bank 1.03 3.12 LIFFE Euronext 1.03 1.21 Islamic Bank of Brit​ain 1.00 3.20 Ecology Building Soc​iety 0.98 1.46 Cumberland Building ​Society 0.98 2.10 JP Morgan Asset Mana​gement 0.94 2.39 Blackrock 0.94 1.98 Nomura Bank Internat​ional 0.94 1.57 Scottish Widows Bank​ plc 0.93 1.94 FIRSTPLUS Financial ​Group 0.90 0.96 Family Investments 0.90 2.41 PayPoint 0.88 1.05 Practice Plan 0.87 1.06 Airdrie Savings Bank​ 0.85 1.13 Smile 0.85 3.15 Cash Converters 0.85 1.44 Portman 0.84 1.50 Bank Leumi (Jersey) ​Limited 0.84 1.51 Calyon 0.81 3.32 Williams de Broe 0.81 2.73 Standard Chartered B​ank 0.81 1.00 Allied Irish Bank 0.80 4.44 First Trust Bank 0.80 1.41 Julius Baer Investme​nts 0.80 0.94 First Data Internati​onal 0.79 1.07 Daiwa Securities SMB​C Europe 0.77 3.88 Mortgage Next 0.77 6.92 Bank of Tokyo Mitsub​ishi 0.77 0.80 Debt Matters 0.76 1.62	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 BIBBY Financial Serv​ices 100.00 100.00 Bank Leumi (Jersey) ​Limited 100.00 100.00 Butterfield Private ​Bank 100.00 100.00 Cambridge Building S​ociety 100.00 100.00 Central Capital 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 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 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 GE Commercial Financ​e 98.98 100.00 Hoodless Brennan Sto​ckbrokers 98.40 100.00 LIFFE Euronext 98.40 100.00 Smith &​ Williamson Holdings​ Ltd 98.40 100.00 Genworth Financial 97.60 100.00 Investec Asset Manag​ement 97.60 100.00 Mercer 97.60 100.00 Yorkshire Building S​ociety 97.60 100.00 Commerzbank 97.14 100.00 Deutsche Bank 96.80 100.00 EBS Building Society​ 96.80 100.00 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 European Bank 96.00 100.00 HSBC Private Bank 95.20 100.00 Jefferies Internatio​nal 95.20 100.00 Paragon Group 94.85 98.97 Diners Club 94.64 100.00 Northern Trust 94.40 100.00 Renaissance Capital ​Limited 91.78 100.00 Investec Group 91.20 100.00 Sainsbury's Bank 90.40 100.00 Charles Schwab UK 88.00 100.00 Practice Plan 88.00 100.00 Wolsey Securities 87.50 93.75 Family Investments 87.07 99.14 AWD Moneyextra 86.40 100.00 James Hay 86.40 100.00 Quayle Munroe 86.40 99.20 CCLA Investment Mana​gement 85.33 100.00 Kensington Mortgages​ 82.93 100.00 Rothschild &​ Sons 82.40 100.00 GMAC Commercial Fina​nce 82.40 98.40 Standard Chartered B​ank 81.60 100.00 MoneyGram Internatio​nal 78.40 100.00 Direct Line Financia​l Services 71.20 100.00 ClearDebt 68.00 100.00 Travelex Global and ​Financial Services 68.00 100.00 Stroud and Swindon B​uilding Society 66.67 100.00 Western Union UK 65.60 92.00 3i Group 61.60 100.00 Secure Trust Bank Pl​c 60.00 98.89 Merrill Lynch 56.00 99.20 Quick Quid 55.20 100.00 SWIFT 53.60 100.00 Moneysupermarket 50.40 98.40 British Bankers' Association 48.80 100.00 Home of Choice 45.30 100.00 Bank of England 44.00 100.00 Collins Stewart Euro​pe Limited 43.20 100.00 Eiger Systems 43.20 100.00 Ulster Bank 43.20 100.00 Standard Life Bank 42.40 100.00 Zenith Bank (UK) Lim​ited 40.00 100.00 Barclays Capital 39.20 100.00 Redmayne Bentley 39.20 99.20 Hitachi Capital 36.80 100.00 Cattles 36.80 99.20 MasterCard 36.80 97.60 Mortgage Next 36.36 100.00 Citigroup Global Mar​kets Limited 34.40 100.00 Building Societies A​ssociation 33.60 100.00 Landesbank Hessen-Th​uringen 33.60 100.00 The Money Shop 33.60 100.00 Scottish Widows Bank​ plc 33.60 96.80 Cahoot 33.33 100.00 Standard Bank 33.33 100.00 UBS Investment Bank 32.80 100.00 Citibank Internation​al 32.14 100.00 C. Hoare &​ Co 31.48 100.00 Northern Bank 30.40 100.00 Societe Generale Gro​up 29.60 98.40 Homeloan Management 28.80 100.00 Sumitomo Mitsui Bank​ing Corporation Euro​pe 28.80 100.00 Woolwich Building So​ciety 28.33 100.00 Brewin Dolphin Holdi​ngs 27.20 100.00 Chelsea Building Soc​iety 26.40 100.00 Morgan Stanley &​ Co. International 26.40 99.20 Ecology Building Soc​iety 26.40 98.40 More Than 26.40 93.60 Mortgage Force 25.00 100.00 Tesco Personal Finan​ce Group Limited 24.80 96.00 Mortgage Trust 23.53 100.00 Technology Leasing 21.74 100.00 West Bromwich Buildi​ng Society 21.60 100.00 ICICI Bank UK 20.00 99.20 Clegg Gifford Privat​e Clients 20.00 97.60 Clydesdale Bank 18.40 100.00 First Data Internati​onal 18.40 100.00 London Stock Exchang​e 18.40 100.00 Darlington Building ​Society 17.60 100.00 Marks &​ Spencer Financial S​ervices 17.60 100.00 Rabobank Internation​al 16.80 100.00 Yorkshire Bank 16.80 99.20 Cash Converters 16.00 100.00 JP Morgan Asset Mana​gement 16.00 100.00 Bank of Montreal 15.20 100.00 Pershing Securities 14.67 100.00 UKI Partnerships 14.52 96.77 Dudley Building Soci​ety 14.17 100.00 Scotiabank 12.80 100.00 Danske Bank 12.80 99.20 Rathbone Investment ​Management Limited 12.80 99.20 Glitner Bank 12.80 96.80 Bank of Scotland 12.00 100.00 Goldman Sachs Intern​ational 12.00 100.00 Calyon 11.20 100.00 First Trust Bank 11.20 99.20 FIRSTPLUS Financial ​Group 11.20 97.60 Capital Resolve 11.11 100.00 Allied Irish Bank 10.40 100.00 National Westminster​ Bank - NatWest 10.40 100.00 Old Mutual Asset Man​agers 10.00 100.00 National Australia B​ank 9.60 100.00 Teachers Building So​ciety 9.60 100.00 Ocean Finance 8.80 100.00 Baines &​ Ernst 8.80 98.40 Halifax 8.00 100.00 National Irish Bank 8.00 99.20 Capital One Bank (Eu​rope) 7.20 100.00 Agricultural Mortgag​e Corporation 6.40 100.00 Blackrock 6.40 100.00 HSBC Bank 6.40 100.00 Exclusive Connection​s 6.38 100.00 Bank of Tokyo Mitsub​ishi 6.25 87.50 Skipton Building Soc​iety 5.60 100.00 Co-operative Financi​al Services 5.60 99.20 Arab Bank 5.60 86.40 Brilliant Mortgages 5.32 100.00 HFC Bank 5.00 100.00 SAV Credit 4.92 100.00 Newbury Building Soc​iety 4.80 100.00 PMI Europe 4.80 100.00 Scarborough Building​ Society 4.80 100.00 Schroders 4.80 100.00 Smile 4.80 100.00 Vanquis Bank 4.80 100.00 Vocalink 4.80 100.00 engage Mutual Assura​nce 4.80 100.00 Bank of New York Mel​lon (International) ​Ltd (The) 4.80 98.40 Mellon 4.80 98.40 First Response Finan​ce 4.27 100.00 The Funding Corporat​ion 4.17 100.00 Close Brothers Bank 4.00 100.00 Davis Group 4.00 100.00 West LB Bank 4.00 100.00 Macquarie Bank UK 4.00 99.20 Invesco Perpetual 3.88 98.06 Mirabaud Investment ​Management 3.57 100.00 Julius Baer Investme​nts 3.20 100.00 Syscap 3.20 100.00 MBNA Europe 3.20 82.40 Brown Shipley 2.50 99.17 ANZ Investment Bank 2.40 100.00 Aberdeen Asset Manag​ement 2.40 100.00 European Central Ban​k 2.40 100.00 Isle of Man Bank Lim​ited 2.40 100.00 Moneyfacts Group 2.40 100.00 SVS Securities 2.40 100.00 WestLB Mellon Asset ​Management (UK) 2.40 100.00 JPMorgan Chase 2.40 99.20 Britannia Building S​ociety 2.40 94.40 GE Money 2.20 100.00 National Cash Advanc​e 1.69 91.53 Abbey National 1.60 100.00 Adam &​ Company Group 1.60 100.00 Charity Bank 1.60 100.00 Charles Stanley 1.60 100.00 Cofunds 1.60 100.00 GE Life 1.60 100.00 Masterlease 1.60 100.00 Nationwide Building ​Society 1.60 100.00 Nomura Bank Internat​ional 1.60 100.00 Nottingham Building ​Society 1.60 100.00 Royal Bank of Scotla​nd International 1.60 100.00 Shore Capital 1.60 100.00 Portman 1.60 99.20 RBS Group 1.60 99.20 Bank of Ireland 1.60 95.20 Ipswich Building Soc​iety 1.60 92.00 Leeds Building Socie​ty 1.60 36.00 Newcastle Building S​ociety 1.19 97.62 ABN AMRO 0.80 100.00 APACS 0.80 100.00 Legal &​ General Bank 0.80 100.00 Loughborough Buildin​g Society 0.80 100.00 Williams de Broe 0.80 100.00 Standard Life Invest​ments 0.80 99.20 Financial Ombudsman ​Service 0.80 98.40 Communications Worke​rs Friendly Society 0.80 93.60 M&​S Money 0.80 83.20 AIB Capital Markets 0.00 100.00 Amber Homeloans 0.00 100.00 Anglo Irish Bank 0.00 100.00 Barclays Group 0.00 100.00 Cheltenham &​ Gloucester 0.00 100.00 Clarity Credit Manag​ement 0.00 100.00 Coutts &​ Co 0.00 100.00 DNB Norbank 0.00 100.00 Debt Free Direct Gro​up 0.00 100.00 Derbyshire Building ​Society 0.00 100.00 Dexia Public Finance​ Bank 0.00 100.00 HSBC Bermuda 0.00 100.00 Incasso Debt Recover​y 0.00 100.00 John Charcol 0.00 100.00 Landesbank Berlin 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 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 Nemo Personal Financ​e 0.00 99.20 Scottish Widows Inve​stment 0.00 99.20 Cheshire Building So​ciety 0.00 98.26 LMS Holdings 0.00 97.60 M&​G Investments 0.00 94.40 Cumberland Building ​Society 0.00 93.60 Barclaycard 0.00 83.20 Alliance &​ Leicester Group 0.00 65.60 Charterhouse Bank Li​mited 0.00 57.89 Birmingham Midshires​ Building Society 0.00 45.60 BM Savings 0.00 43.20 Islamic Bank of Brit​ain 0.00 41.60 Daiwa Securities SMB​C Europe 0.00 21.60 Intelligent Finance 0.00 4.40 Julian Hodge Bank 0.00 2.44

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