The Swiss Banking Websites Index Q3 2010/701

indexThe Swiss Banking Websites Index Q3 2010/701

To compile this survey we reviewed over 250 websites, using the Sitemorse automated website optimisation software (page content, templates and infrastructure) to test and rank each website. This report presents a summary of the findings and is produced in association with Supertext.

www.supertext.ch We run more tests, in more depth, more often than anyone else. Our results are more accurate, more accessible and more useful than anyone else’s, and our reports are published in more places, read by more people and trusted by more organisations The Swiss Banking Websites Index Q3 2010/701 than anyone else’s. index Contents Welcome note 3 The better you tell, the better you sell 4 The top fifty 5 Time to wait 6 Fatwire - Content Integration Platform™ 7 Most improved site 8 Who’s up and who’s down 8 The bottom twenty 8 Web accessibility denied 9 92% of sites need to consider the impact 10

Welcome to the 8th issue of the Swiss Banking Websites Index. This quarterly survey provides an independent benchmark of over 250 websites, employing more than 600 tests on each page tested. The banking industry needs to improve online quality, compliance and user experience – preferably at the point of website delivery, not as an afterthought. A positive user experience is not simply a matter of beautiful design: the primary requirement is for the website to function properly and quickly. The Sitemorse tests routinely uncover all kinds of problems that can have a big impact on a visitor’s impression – such as dead links, compliance issues, non-functioning email addresses, slow pages, poor ranking in search engines, etc.

Time and again we find that site owners are concerned about such issues but unaware of them, as they don’t test and monitor their online presence properly. We also find that a newly re-launched website often scores well initially and then gets worse over time for the same reason.

Your web presence is never static. However often you may update your printed brochures, annual reports or company flyers, your web pages will change faster. And in the same way as you have a process of reviewing and approving your printed media, you need that for your website. You would never release a printed brochure with empty or wrongly formatted pages, and the same rules should apply for your The Swiss Banking website. Websites Index is conducted in association with If your site is one of those covered in this Index, we hope you’ll find food for thought in the pages that follow.

Patrik Riebli Managing Director Sitemorse Switzerland

3 No-one has The better you tell, the complained The Top Fifty to me about our Are you in the top 50 for quality, compliance and website...ww better you sell performance? No-one does; they move to your competitors With all the attention given to logos, fonts, colors and images, and often don’t come Rank Company Index Previous Change the text on many websites is often flagrantly neglected. back. 85% of consumers 1 Centrum Bank AG 8.51 1 0 Rinaldo Dieziger say they would have 2 J&T Bank Schweiz AG 8.41 5 3 [email protected] However, choosing the right words means not only gaining reservations about buying 3 Ersparniskasse Speicher 8.27 3 0 +41 43 500 33 83 a higher indexing in the search engines – but also the from a business with a 4 BANCA GESFID 8.18 4 0 www.supertext.ch poor quality website. 5 Banque Bonhôte & Cie SA 8.12 200 195 goodwill of readers. 6 Bank Julius Bär & Co. AG 8.03 6 0 7 Banque Cramer & Cie SA 7.93 12 5 But what are the right words? A good text has to be exceptional if it is to be read at all. And it has to be 8 AXA Bank 7.93 8 0 simple, so that it can be understood. It can be long, but it must not be boring. How do you achieve that? 9 Lombard, Odier, Darier, Hentsch & Cie 7.92 9 0 You turn to professionals. 10 Valiant Privatbank AG 7.89 68 58 Optimise a text with a few clicks 11 Spar + Leihkasse Steffisburg 7.86 10 -1 12 Banque Bénédict Hentsch 7.84 7 -5 “In the fall of 2005 we began to bring together the most talented copywriters, authors, editors and proof- 13 Thurgauer Kantonalbank 7.80 74 61 readers on the internet,” says Rinaldo Dieziger. The result was Supertext, the first copywriting agency 14 LBBW (Schweiz) AG 7.74 11 -3 on the internet. With Supertext, sending a document to be revised or translated is as simple and fast as 15 BGG, Banque Genevoise de Gestion 7.56 18 3 booking a flight. Just load it up on www.supertext.ch and you’ll immediately get a quote for editing, proof- 16 AKB Privatbank Zürich AG 7.54 13 -3 reading, translation and transcreation. Each job sent to Supertext is reviewed before being sent to the best 17 Scobag Privatbank AG 7.47 14 -3 qualified text professionals to be worked on. 18 Zürcher Kantonalbank 7.36 16 -2 19 Bank Thalwil 7.26 15 -4 20 La Roche & Co Banquiers 7.23 20 0 21 Urner Kantonalbank 7.20 201 180 22 Valartis Bank AG 7.19 21 -1 23 Mizuho Bank (Schweiz) AG 7.19 28 5 24 NZB Neue Zürcher Bank AG 7.18 22 -2 25 Adler & Co. Privatbank AG 7.16 24 -1 26 Banque Franck, Galland & Cie SA 7.00 50 24 27 Bank aek Genossenschaft 6.94 25 -2 28 Sparkasse Trogen 6.85 30 2 29 Private Client Bank 6.84 31 2 30 Bernerland Bank AG 6.82 40 10 31 Banque Du Bois AG 6.81 27 -4 32 Biene - Bank im Rheintal Genossenschaft 6.80 45 13 33 Bank Thur 6.80 19 -14 34 Bezirkssparkasse Uster 6.80 72 38 35 Burgerliche Ersparniskasse Bern 6.77 59 24 A cultural transfer instead of a translation 36 ZLB Zürcher Landbank 6.75 34 -2 37 FAISAL PRIVATE BANK (Switzerland) SA 6.74 32 -5 Supertext’s network of local copywriters, editors and authors gives it a decisive advantage over many 38 Pictet et Cie 6.74 39 1 translation agencies. Under its transcreation service, a document is first translated by an expert in that 39 Spar- und Leihkasse Frutigen 6.72 48 9 field before being reviewed by a local copyeditor and then checked by a proofreader. As Dieziger explains: 40 Cornèr Banca SA 6.69 78 38 A text doesn’t just “Translators are mainly interested in recreating the same content in the new language. They are concerned 41 Caisse d’Epargne d’Aubonne 6.67 35 -6 with what is said. A copywriter or editor is more interested in how something is said, what the intentions of 42 Bank Morgan Stanley AG 6.67 164 122 need to please the text are. This is the decisive factor when it comes to marketing and communications.” Google, it should also 43 Schaffhauser Kantonalbank 6.66 29 -14 44 Sparkasse Schwyz 6.58 17 -27 convince Corporate language services 45 LB (Swiss) Privatbank AG 6.52 95 50 46 Banque Pasche SA 6.50 53 7 the reader.ww Language can pay a large role in defining the corporate identity of a company. People don’t recognize a company based simply on what they see; their view also depends on how the company speaks to them. % 47 BANCA CREDINVEST SA 6.49 71 24 76of sites that have With its software and database technology for terminology and glossaries, Supertext helps guarantee 48 LGT Bank (Schweiz) AG 6.48 76 28 Rinaldo Dieziger, Founder consistent wording. Whenever possible, it uses the same text professionals for the same clients. Supertext errors will have people 49 M. M. Warburg Bank (Schweiz) AG 6.45 23 -26 and CEO of Supertext AG gives companies a voice. that will not return 50 P&P Private Bank AG 6.43 43 -7 4 5 Leaving a user waiting more than Time to Wait Content Integration 6 seconds seriously ™ damages online Slow pages are a major cause of user dissatisfaction. The Platform – confidence.ww Pauline Crossley table lists sites based on the slowest pages found. +44 1784 604 010 [email protected] Enabling organisations

Avg of 10 slowest Slowest Company pages (secs) page (secs) to get more from Bearbull Degroof Banque Privée SA 27.47 49.96 Banque Syz & Co SA 21.74 38.16 Neue Bank AG 12.65 73.82 their content Bank Vontobel AG 12.11 20.88 Graubündner Kantonalbank 11.04 67.34 Petercam Private Bank 10.89 93.03 BANQUE HERITAGE 10.62 29.62 In order to realize the full potential of the web as a Nidwaldner Kantonalbank 10.53 11.71 business channel, organisations need to be able Crédit Agricole (Suisse) SA 8.31 59.74 Banque Audi (Suisse) SA 7.66 32.48 to harness the full power of their content assets Alternative Bank ABS 7.52 15.63 for use online, and to manage web content to Spar + Leihkasse Steffisburg 5.99 41.00 Bank CIC (Schweiz) AG 5.89 8.13 enterprise standards. Société Générale, Succursale de Zurich 5.84 6.80 However, today most organisations’ content, such as documents, images, videos, and more, is Cornèr Banca SA 4.72 7.76 stored in a series of disparate repositories. Enterprises have no real means of tapping into these Merrill Lynch Capital Markets AG 4.64 23.90 valuable assets to make websites richer, provide current and relevant information, and engage their Banque Cantonale Vaudoise 4.62 23.38 audiences online. Neue Aargauer Bank 4.49 6.37 Meanwhile, managing website content in accordance with enterprise standards for retention and MediBank 4.34 5.36 business compliance can be a real challenge. DC Bank 4.33 7.34 Société Générale 3.87 9.76 C.I.M. Banque 3.87 9.44 VP Bank (Schweiz) AG 3.72 21.85 Bank EKI Genossenschaft 3.32 10.88 Migros Bank 3.31 9.66 UBS 3.20 4.22 Appenzeller Kantonalbank 3.14 7.97 Gonet & Cie 3.13 3.16 Bank Coop AG 3.08 8.05 Raiffeisen Banken Gruppe 3.07 11.94 VZ Depotbank AG 2.92 5.61 SIX SIS AG 2.57 4.68 Kaiser Ritter Partner Privatbank AG 2.44 6.30 Nomura Bank (Schweiz) AG 2.40 4.05 Banca Intermobiliare di Investimenti 2.35 3.93 American Express Bank (Switzerland) SA 2.29 7.23 Bank Linth LLB AG 2.25 4.01 The FatWire Content Integration Platform solves these problems by enabling organisations to access Sitemorse reports Obwaldner Kantonalbank 2.25 5.42 content stored across the enterprise and publish it to their public websites, intranets and extranets help us significantly in ABN Amro Bank (Schweiz) 2.18 4.01 Powerful capabilities managed by FatWire Content Server, while content from FatWire sites can automatically be retained in EMC® Documentum® for retrieval and business policy compliance. ensuring the quality Banque Cantonale du Valais 2.14 9.04 for accessing Crédit Agricole Financements (Suisse) SA 2.12 5.05 content of all types and accessibility of our Banque Privée Edmond de Rothschild SA 2.10 3.63 various websites, and BSI SA 2.09 6.54 from Documentum, to manage our various AAM Privatbank AG 2.07 7.48 SharePoint, LB (Swiss) Privatbank AG 2.07 4.30 suppliers.ww Windows and Unix NPB Neue Privat Bank AG 2.02 2.92 file systems.ww Bank Sarasin & Cie AG 1.98 4.40 6 7 I see only a few Our own CMS problems... ww This quarter’s Top site does all the checking Web accessibility Even 1% of errors is too http://www.centrumbank.ch we need thanks, high: what if one of the including spelling, denied problems is your stock price feed, your buy How it made it to the top metadata, links and Overall 8.51 button not working, or Function 10.00 accessibility. n It’s a legal requirement for websites to be accessible. Listed email address failure? Accessibility 6.00 ‘There isn’t a CMS that Code quality 10.00 below are those with the worst scores: 100% means every Performance 9.00 offers anywhere near the Email not included level of a Sitemorse audit. page tested had failures. Metadata 5.00 Quite simply, if the problem % of pages that fail Analytics not included doesn’t exist... then we Spelling not included Company A AA can’t find it. That’s why we PDF 7.00 AKB Privatbank Zürich AG 100.00% 100.00% Front page loading Pass call our service ‘building web confidence’. Appenzeller Kantonalbank 100.00% 100.00% Arab Bank (Switzerland) 100.00% 100.00% ARVEST Privatbank AG 100.00% 100.00% Atlantic Vermögensverwaltungsbank 100.00% 100.00% Most BANCA CREDINVEST SA 100.00% 100.00% Banca Privata Edmond de Rothschild Lugano SA 100.00% 100.00% Banca Zarattini & Co 100.00% 100.00% Improved Bank EEK AG 100.00% 100.00% Banque Algérienne du Commerce Extérieur SA 100.00% 100.00% http://www.bonhote.ch BANQUE HERITAGE 100.00% 100.00% Banque Jacob Safra (Suisse) SA 100.00% 100.00% BANQUE MORVAL 100.00% 100.00% Banque Privée Espirito Santo SA 100.00% 100.00% Banque Safdié SA 100.00% 100.00% Who’s Up Who’s Down Banque Syz & Co SA 100.00% 100.00% BERENBERG BANK (SCHWEIZ) AG 100.00% 100.00% Q3 2010 Company Index Previous Change BLOM BANK (Switzerland) SA 100.00% 100.00% Banque Bonhôte & Cie SA 8.12 200 195 Caisse d’Epargne d’Aubonne 100.00% 100.00% Urner Kantonalbank 7.2 201 180 Caisse d’Epargne de Cossonay société coopérative 100.00% 100.00% Bank Morgan Stanley AG 6.67 164 122 Caisse d’épargne de Vuisternens-devant- Romont 5.49 199 116 DC Bank 100.00% 100.00% FIDEURAM Bank (Suisse) SA 5.43 198 112 Deutsche Bank (Suisse) SA 100.00% 100.00% FIDEURAM Bank (Suisse) SA 100.00% 100.00% Finter Bank 100.00% 100.00% Q3 2010 Company Index Previous Change GRB Glarner Regionalbank 100.00% 100.00% 108 Trafina Privatbank AG 4.94 33 -75 Hyposwiss Private Bank 100.00% 100.00% 85 Basellandschaftliche Kantonalbank 5.46 2 -83 KREDIETBANK (SUISSE) SA 100.00% 100.00% 153 Migros Bank 4.04 56 -97 MediBank 100.00% 100.00% 222 St. Galler Kantonalbank 2.63 113 -109 Mercantil Bank (Schweiz) AG 100.00% 100.00% 214 MediBank 2.81 87 -127 Merrill Lynch Capital Markets AG 100.00% 100.00% Neue Bank AG 100.00% 100.00% Nordkap Bank AG 100.00% 100.00% Obwaldner Kantonalbank 100.00% 100.00% Bottom Twenty PKB PRIVATBANK SA 100.00% 100.00% RBC Dexia IS Bank SA 100.00% 100.00% Company Company Reichmuth & Co 100.00% 100.00% Bank Vontobel AG Mercantil Bank (Schweiz) AG Scobag Privatbank AG 100.00% 100.00% St. Galler Kantonalbank Swissregiobank Spar + Leihkasse Münsingen AG 100.00% 100.00% Aargauische Kantonalbank Bank CA St. Gallen AG Sparkasse Engelberg 100.00% 100.00% UNITED MIZRAHI BANK (Schweiz) AG Bank in Zuzwil Swissregiobank 100.00% 100.00% Merrill Lynch Bank (Suisse) SA Royal Bank of Canada (Suisse) Banque Safdié SA Bank EKI Genossenschaft Sydbank (Schweiz) AG 100.00% 100.00% HSBC Private Bank (Suisse) SA SIX SIS AG UNITED MIZRAHI BANK (Schweiz) AG 100.00% 100.00% % Arab Bank (Switzerland) Banque Cantonale du Jura % Vadian Bank AG 100.00% 100.00% 67Improvement in natural Neue Bank AG KREDIETBANK (SUISSE) SA 44Improvement in page Wegelin & Co. Privatbankiers 100.00% 100.00% search with Sitemorse Banque Cantonale du Valais Banque Audi (Suisse) SA response with Sitemorse Privatbank Bellerive AG 100.00% 74.36% 8 9 No matter where in the world you operate, or 92% of sites will be however complex your online presence, Sitemorse behaves Sitemorse Ltd affected – what’s really like any visitor, +44 20 7183 5588 continually monitoring [email protected] on your site? every page.

With just a few months to go until the new EU regulations on cookies come into force, web management teams are already working hard on a strategy to stay on the right side of the law.

For many, the first challenge is to find out whereabouts in their vast web estates cookie-setting content is actually located. Easier said than done — especially when cookies from third-party providers are factored in.

Sitemorse routinely locates and lists website cookies, so our clients are already one step ahead of the game. If you’re a client, we can remind you where to look in your existing site reports — and you’re welcome to have one or more other sites checked out too.

While the debate continues on how this will affect the way you run your online affairs, one thing is clear: you MUST be 100% aware of every single instance where your sites are setting cookies - including any from third party providers.

Setting cookies without gaining a user’s prior consent will put you in breach of the law, with potentially serious legal and financial consequences. As in all things to do with the law, pleading ignorance will be no excuse! For more information, visit http://www.cookies.sitemorse.com

The implications for repeated user logins, customised content delivery, analytics and advertising are potentially enormous. .

10 This document is proprietary to Sitemorse Limited and has been furnished on a confidential and restricted basis.

Sitemorse Limited hereby expressly reserves all rights, without waiver, election or other limitation to the full extent permitted by law, in and to this material and the information contained therein.

Any reproduction, use or display or other disclosure or dissemination, by any method now known or later developed, of this material or the information contained herein, in whole or in part, without the prior written consent of Sitemorse Limited is strictly prohibited.

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Sitemorse Switzerland GmbH Amriswilerstrasse 80 8570 Weinfelden Phone: +41 44 586 4279 [email protected] www.sitemorse.ch