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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Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der GMAT: Graduate Management Admission Test: Analytical Writing Assessment (AWA)- Quantitative section- Verbal section 2024 Prüfung.

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GMAT exam Format | GMAT Course Contents | GMAT Course Outline | GMAT exam Syllabus | GMAT exam Objectives


• Overview of Lesson Plan • Key Content Covered

1&2 • An introduction to GMAT.

• Handing over Princeton Review

Book and GMAT.cz Package

• DVD from the course book and an

insight into the logic of GMAT.

• Introducing the idea of the skills

to be developed

• An outline and brief description of

each the Verbal sections

• Answering questions general from

the student.

• Introduction to memory

improvement techniques

• GMAT introduction

• Princeton Review Book and

GMAT.cz Package

• Basic exam structure review

including description of CAT

• The GMAT scoring scale

• Verbal sections defined

• Memory improvement techniques

• Home assignment: GMAT intro

quiz

3&4 • Definition of terms for the

Quantitative Section of the

GMAT.

• Answering questions related to

this subject coming from the G2

course preparation test.

• Foundation of basic arithmetic.

• Definition of terms

• Properties of integers

• Fractions

• Decimals

• Home assignment: Arithmetic

practice questions (not from

GMAT test)

5&6 • Continuation of the foundation

in basic arithmetic.

• Real Numbers

• Ration & Proportion

• Percents

• Powers & Roots of Numbers

• Descriptive Statistics

• Sets

• Counting Methods

• Discrete Probability

• Home assignment: Arithmetic

practice questions (not from

GMAT test)

7&8 • Critical Reasoning 1

• An introduction to Critical

Reasoning part of GMAT and the

history and changes of the section

• Description of how CR skills are a

good place to start for the

Reading Comprehension

• Very basic outline of the 4 basic

parts of an argument (greater

detail in Critical Reasoning 2)

• Explanation of how this section

falls into 8 categories (greater

detail in Critical Reasoning 2)

• Principles on how to identify

these categories and logically

approach them.

• Argument construction

• Argument Evaluation

• Formulating and Evaluating a plan

of Action

• Home assignment: easy examples

from Bin1

9&10 • Fundamentals of Algebra.

• Explanation of how important this

topic is and in how many

questions will involve the use of

these fundamentals.

• Reviewing first year High School

but in the GMAT paradigm.

• Simplifying Algebraic

Expressions

• Equations

• Solving Linear Equations with one

Unknown

• Solving Linear Equations with two

Unknowns

• Solving Equations by Factoring

• Solving Quadratic Equations

• Exponents

• Home assignment: Algebra

practice questions (not from

GMAT test)

11&12 • Fundamentals of Algebra

finished

• An introduction to problem

solving with equalities and

inequalities involving multiple

variables and solutions

• Explanation of principle of

plugging-in (to be covered in

detail in later lesson)

• Inequalities

• Absolute Value

• Functions

• Solving Equations

• Solving Inequalities

• Transforming Algebra into

Arithmetic

• Home assignment: Algebra

practice questions (not from

GMAT test)

13&14 • Introduction to Sentence

Correction

• Areas of grammar which are

typically covered in the GMAT

are outlined and students will

review the basics

• A few grammar drills designed to

help review each area and affirm

knowledge

• Pronoun Agreement

• Pronoun Ambiguity

• The Test Masters Catalog of

Idioms

• Misplaced Modifiers

• Parallel Construction

• Verb Tenses, Part One

• Subject/Verb Agreement

• Home assignment: Grammar review

questions

15&16 • Sentence Correction 1

• Grammar areas are completed as

an introduction

• Grammar drills focused on the

topics covered

• Feedback and explanations

designed to isolate weaknesses

and homework allocated

accordingly

• Noun Agreement

• Comparison Words

• Quantity Words

• Redundancy

• Verb Tenses, Part Two

• The Subjunctive Mood

• Home assignment: Grammar review

questions

17&18 • Fundamentals of Geometry

• The final area of math

fundamentals essential to the

GMAT

• Shown to be not as important as

algebra but a key area where

candidates should be confident

• A few example questions for each

topic to help visualise and

understand principles in GMAT

test environment

• Lines

• Intersecting lines and angles

• Perpendicular lines

• Parallel lines

• Polygons (convex)

• Triangles

• Quadrilaterals

• Geometry

• Home assignment: Geometry

practice questions (not from

GMAT test)

19 & 20 • Fundamentals of Geometry

finished

• More example test questions and a

review of all the courses from

Geometry

• Focused effort on Coordinate

Geometry as the largest part of

the field needed in GMAT

• Circles

• Rectangular solids and cylinders

• Surface areas

• Volumes

• Coordinate Geometry

• Home assignment: Geometry

practice questions (not from

GMAT test)

21&22 • An introduction to reading

Comprehension and the GMAT

test question structure

• Presentation on the value of

developing reading techniques

• Brief introduction to fundamental

techniques of how to effectively

approach GMAT reading

Comprehension questions

• Description of the 3 subject fields

that these questions will come

from

• An outline of what is meant by

interpretive, applied and

inferential test questions

• Definition of terms

• reading Comprehension structure

• Approach techniques

• Subject field overview

• Home assignment: 2 real

Reading Comprehension test

questions from Bin1

23&24 • Review of key points from

previous 2 lessons

• Feedback from home assignment

• Focused suggestions

• real previous GMAT questions

from Bin2

• Comprehension tips

• Test questions

• Home assignment: revise key

points from reading

Comprehension

25&26 • Introduction to Data Sufficiency

• Explanation of math skills needed

• Overview of the wide variety of Data

Sufficiency problems which GMAT

include

• Basic introduction on how to

analyze a quantitative problem

• Question structure

• Answering fundamentals

• Definition of essential terms

• Common pitfalls

• Basic tips

and recognize which information

is relevant

• Basic introduction on how to

determine what information is

sufficient to solve a given

problem

• Very important tips to remember

from the very beginning

supported by basic interactive

drills

• Definition of terms and why they

need to be memorized

• Common pitfalls to avoid

• Approach techniques

• Basic interactive drills

• Home assignment: 2 test questions

from Bin1

27&28 • Review of Data Sufficiency

efficient methodology

• Feedback from home assignment

• Interactive drills designed to Strengthen

the approach of candidates to the test

questions using the methodology

taught combined with their own

natural intelligence, logic process

and experience

• Review of the wide variety of Data

Sufficiency problems which GMAT

include

• Methodology review

• Feedback

• Interactive drills

• Home assignment:2 Questions

from Bin2

29&30 • Critical Reasoning 2

• A quick review of what was

covered in Critical reasoning 1

• Candidates are given tips on how

to prepare their brains to approach

these types of Questions

• The 4 main parts of an argument‘s

structure is described and broken

down into more detail

• A detailed look into the structure

of the 8 types of argument

questions

• Brain preparation tips

• Premises, conclusions, assumptions,

inferences

• Assumption

• Strengthen the argument

• Weaken the argument

• Inference

• Parallel the reasoning

• Resolve or explain

• Evaluate an argument

• Identify the reasoning

• Home assignment: review the 4

parts of an argument and the 8

types of GMAT Critical

Reasoning questions

31&32 • Review home assignment

• Outline main tips for efficiently

gaining maximum points from

this section

• Interactive drill with Critical

Reasoning questions from Bin2

• Reminder of rudiments of GMAT

logic not formal logic

• Critical Reasoning Bin 2

• Tips

• GMAT logic

• Home assignment: 2 Bin 2 GMAT

test questions

33&34 • Problem Solving 1

• A brief overview of what GMAT

Problem Solving questions look

like and a reminder of the math

skills reviewed from Arithmetic,

Algebra and Geometry

• An introduction to the principle of

effective exam question

answering:

• When to shortcut/fully solve/plugin answers

• An introduction to the principle of

the Process of Elimination

• How to avoid partial answers

• How to spot ‚crazy‘ answer

choices

• The absolute importance of

avoiding the answers that Joe

Bloggs would choose in harder

questions

• Arithmetic, Algebra and Geometry

• Shortcut/fully solve/plug-in

• POE

• Partial answers

• Crazy answers

• Joe Bloggs

• Home assignment: Quick

overview of lesson content

35&36 • Problem Solving 2

• Review of Problem Solving

questions key points from home

assignment

• Introduction to rate, work, function,

probability, combination and

• Rate problems

• Work problems

• Mixture problems

• Measurement problems

permutation problems (will be

covered in detail in a separate lesson)

• How to approach interest rate

problems and basic statistics like

mean, median, mode, and standard

deviation

• Rate

• Work

• Probability

• Combination and permutation

• Interest rates

• Statistics

• Standard deviation

• Home assignment: GMAT test

questions from Bin 1/2

37&38 • Sentence Correction 2

• Review foundations of grammar

from Sentence Correction 1

• Introduce GMAT English rules

and logic and accepting the fact

that this is not about pure

grammar in the normal world

• Description of the types of errors

that are tested in GMAT Sentence

Correction test questions

• Explanation of how the test

writers decide upon the 4

alternative options they provide in

the test

• Describe POE technique

• Candidates will go through Bin 1

questions to drill the various

points brought up

• Brief grammar review

• GMAT English principles

• Use Your Ear

• Contextual Clues

• Simplicity is Bliss

• Sentence Fragments

• Parallel Construction Error

• Faulty Comparison

• Punctuation

• Word Confusion

• Adjective/Adverb Error

• Correct pronoun usage

• Disagreement Between Subject and Verb

• Verb Tense Error

• Misplaced Modifier

• Incorrect Idiomatic Expression

• POE technique

• Sentence Correction Bin1 drill

• Home assignment: 2 Bin 2 test

questions

39&40 • Sentence Correction 3

• Feedback from home assignment

• Review POE technique

• Focused in depth coverage of the

typical areas of focus

• Bin 3 drilling

• Sentence Correction typical areas

of focus

• Home assignment: review of

typical areas of focus and 2

questions from Bin 3



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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