Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Checkpoint CCSPA : Check Point Certified Security Principles Associate CCSPA exam Dumps

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Exam Number : CCSPA
Exam Name : Check Point Certified Security Principles Associate CCSPA
Vendor Name : Checkpoint
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CCSPA exam Format | CCSPA Course Contents | CCSPA Course Outline | CCSPA exam Syllabus | CCSPA exam Objectives

Test Detail:
The Check Point Certified Security Principles Associate (CCSPA) exam is designed to assess a candidate's knowledge and understanding of foundational security principles and concepts. Here is a detailed description of the test, including the number of questions and time allocation, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The CCSPA exam typically consists of approximately 60 multiple-choice questions. Candidates are usually given a time limit of 90 minutes to complete the exam. However, the specific number of questions and time allocation may vary depending on the exam provider or administration.

Course Outline:
The course outline for the CCSPA exam covers the fundamental concepts and principles of information security. The outline may include the following key areas:

1. Introduction to Information Security:
- Security concepts and terminology
- Security policies and procedures
- Security governance and risk management

2. Network Security:
- Network infrastructure and protocols
- Network security technologies and best practices
- Firewalls and VPNs

3. Security Management:
- Access control and authentication
- Security incident response and management
- Security awareness and training

4. Application Security:
- Secure coding principles
- Web application security
- Secure software development lifecycle

5. Cryptography and Public Key Infrastructure (PKI):
- Symmetric and asymmetric encryption
- Digital signatures and certificates
- Key management

Exam Objectives:
The objectives of the CCSPA exam are to assess candidates' understanding of foundational security principles and their ability to apply security concepts in practical scenarios. The exam aims to evaluate the following key areas:

1. Knowledge of information security concepts, principles, and best practices.
2. Understanding of network security technologies and their implementation.
3. Familiarity with security management processes and procedures.
4. Awareness of application security principles and secure coding practices.
5. Understanding of cryptography and PKI fundamentals.

Exam Syllabus:
The exam syllabus for the CCSPA exam typically covers the following subjects:

1. Introduction to Information Security
2. Security Governance and Risk Management
3. Network Security
4. Security Management
5. Application Security
6. Cryptography and PKI

Candidates should refer to the official CCSPA study materials and resources provided by Check Point or authorized training partners for accurate and up-to-date information on the specific subjects and content covered in the exam. It is recommended to allocate sufficient time for exam preparation, including studying relevant subjects, reviewing key concepts, and practicing with sample questions.

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Check Point shares rise slightly on earnings beat

Shares in Check Point Software Technologies Ltd. rose slightly in regular trading today after the cybersecurity company beat expectations on earnings in its latest quarter.

For its second quarter that ended June 30, Check Point reported earnings per share of $2 before costs such as stock compensation. That was up 22% from $1.64 in the same quarter of last year, on revenue of $589 million, up 3% year-over-year. Analysts had expected adjusted earnings per share of $1.90 and revenue of $589 million.

Check Point saw increased revenue across the board, with its product and license revenue up 12% year-over-year, to $117 million, and security subscription revenue up 14%, to $239 million. The company’s deferred revenue also rose 7% year-over-year, to $1.774 billion.

Notably, Check Point’s cash balance, marketable securities and short-term deposits fell to $3.515 billion, compared with $3.676 billion the year prior. The decline was in part the result of the company repurchasing 2.6 million shares in the quarter at a cost of about $325 million.

Highlights in the quarter included Check Point landing an unnamed large pharmaceutical company that chose the company’s Harmony Email security product thanks to its high catch rate versus the competition. Check Point also landed a large bank that decided to replace its existing solution that was missing phishing emails.

“Our platform security strategy realized continued success, as Infinity revenues surpassed 10% of total revenues for the quarter,” Gil Shwed, founder and chief executive officer of Check Point, said in the company’s earnings release. “This was further emphasized by a 14% increase in security subscription revenues that encompasses their advanced security solutions such as ThreatCloud AI, CloudGuard and Harmony E-mail.”

Check Point said it expects adjusted earnings per share of $1.97 to $2.07 in its fiscal second quarter on revenue of $570 million to $605 million. For the full year 2023, the company expects adjusted earnings per share of $7.70 to $8.30 on revenue of $2.34 billion to $2.51 billion.

After the earnings report was delivered at the beginning of regular trading, Check Point shares closed up 2.6%, to $132.11.

On the same day Check Point delivered its earnings, Shwed offered an unusual comment on Israeli politics. In an interview with YNet News, Shwed said he would not base a company in Israel today because of changes to the country’s judiciary that those on the left have opposed.

“The exact events are difficult for all of us and are tearing Israeli society apart,” Shwed said in the interview. “I am working to prevent that rift from infiltrating my company.”

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Check Point Software Technologies Non-GAAP EPS of $2.00 beats by $0.10, revenue of $589M in-line

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Check Point (CHKP) to Report Q2 Earnings: What's in the Offing?

Check Point Software Technologies CHKP is scheduled to report its second-quarter 2023 results on Jul 26.

For the second quarter, Check Point estimates revenues in the range of $570-$605 million ($587.5 million at the midpoint). The Zacks Consensus Estimate for revenues is pegged at $588 million, suggesting a year-over-year increase of 3%.

The company anticipates non-GAAP earnings in the range of $1.85-$1.95 per share ($1.90 at the midpoint). The Zacks Consensus Estimate stands at $1.89 per share, indicating a year-over-year increase of approximately 15.2%.

The company’s earnings outpaced estimates in the trailing four quarters, the average surprise being 3.7%.

Check Point Software Technologies Ltd. Price and EPS Surprise

Check Point Software Technologies Ltd. price-eps-surprise | Check Point Software Technologies Ltd. Quote

Factors to Note

Check Point’s second-quarter top-line is likely to have benefited from continued strong performance across its Security Subscriptions and Software Updates and Maintenance segments, partially offset by weakness at its Products and Licenses division. Increased pricing across multiple product lines is likely to have aided the company’s top- and bottom-line performances in the quarter under discussion.

Check Point’s Security Subscriptions segment is likely to have benefited from growing demand for network security gateways to support higher capacities amid the hybrid work environment. This is expected to have spurred the demand for CHKP’s remote access virtual private network solutions. Solid demand for its CloudGuard, Quantum, Harmony, Horizon threat prevention and Infinity solutions is anticipated to have aided the segment’s top-line performance.

Our estimates for CHKP’s Security Subscriptions segment are pegged at $225.1 million, depicting a year-over-year increase of 7.3%. Their revenue estimate of $233.1 million for Software Updates and Maintenance division signifies improvement of 2.2% from the year-ago quarter’s $228 million.

Story continues

Nonetheless, weakening global economy amid ongoing macroeconomic and geopolitical issues might have led enterprises postpone their large IT spending plans. This might have hurt Check Point’s Products and Licenses performance in the second quarter. Their estimate for the segment’s revenue stands at $127.7 million, signifying a 4.1% from the year-ago quarter’s $133.2 million.

The firm’s continued investments in cloud infrastructure, workforce enhancement and marketing activities might have clipped margins during the quarter to be reported.

What Their Model Says

Our proven model does not conclusively predict an earnings beat for Check Point this season. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the chances of an earnings beat. However, that’s not the case here.

CHKP has an Earnings ESP of 0.00% and a Zacks Rank #2 at present. You can uncover the best stocks to buy or sell before they’re reported with their Earnings ESP Filter.

Stocks With Favorable Combination

Per their model, Tyler Technologies TYL, Alphabet GOOGL and Spotify Technology SPOT have the right combination of elements to post an earnings beat in upcoming releases.

Tyler has an Earnings ESP of +0.54% and flaunts a Zacks Rank #1 at present. The company is scheduled to report second-quarter 2023 results on Jul 26. TYL’s earnings beat the Zacks Consensus Estimate in three of the preceding four quarters, missing once, the average surprise being 2.8%. You can see the complete list of today’s Zacks #1 Rank stocks here.

The Zacks Consensus Estimate for TYL’s quarterly earnings is pegged at $1.86 per share, suggesting a year-over-year decrease of 1.1%. Its quarterly revenues are estimated to increase 4.7% year over year to $490.7 million.

Currently, Alaphabet has an Earnings ESP of +2.49% and carries a Zacks Rank #2. The company is set to report its second-quarter 2023 results on Jul 25. GOOGL’s earnings surpassed the Zacks Consensus Estimate in one of the trailing four quarters, missing thrice and delivering an average negative earnings surprise of 4.4%.

The Zacks Consensus Estimate for GOOGL’s second-quarter earnings is pegged at $1.32 per share, implying a year-over-year surge of 9.1%. The company is estimated to report revenues of $60.24 billion, which suggests a surge of 4.8% from the year-ago quarter.

Spotify has an Earnings ESP of +30.98% and a Zacks Rank #3 at present. The company is set to report its second-quarter 2023 results on Jul 25, before market open. SPOT’s earnings missed the Zacks Consensus Estimate in each of the trailing four quarters, the average negative surprise being 20.2%.

The Zacks Consensus Estimate for Spotify’s second-quarter loss is pegged at 84 cents per share, indicating a 7.7% increase from the year-ago quarter’s loss of 91 cents. The consensus mark for revenues is pegged at $3.53 billion, suggesting a year-over-year increase of 15.8%.

Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

Check Point Software Technologies Ltd. (CHKP) : Free Stock Analysis Report

Alphabet Inc. (GOOGL) : Free Stock Analysis Report

Tyler Technologies, Inc. (TYL) : Free Stock Analysis Report

Spotify Technology (SPOT) : Free Stock Analysis Report

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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen

Hackerangriffe

Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

Erpressung

Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

Cyber-Kosten:

Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
Krisenkommunikation / PR-Maßnahmen
Systemverbesserungen nach einer Cyber-Attacke
Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

Befriedigung oder Abwehr von Ansprüchen Dritter
Rechtswidrige elektronische Kommunikation
Ansprüche der E-Payment-Serviceprovider
Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
Vertragliche Schadenersatzansprüche
Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
Rechtsverteidigungskosten

Cyber-Eigenschäden:

Betriebsunterbrechung
Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
Mehrkosten
Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
Cyber-Erpressung
Entschädigung mit Strafcharakter/Bußgeld
Ersatz-IT-Hardware
Cyber-Betrug