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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HP IT test syllabus

 

HRTC Conductor 2023 test date announced at hppsc.hp.gov.in, check details here

HPPSC Conductor Recruitment 2023: The Himachal Pradesh Public Service Commission (HPPSC) has released the tentative schedule for HRTC screening test for the recruitment of the posts Conductor (Class III, Non-Gazetted). Candidates who have registered for the recruitment can check the test dates here or on the official website at hpsc.gov.in.As per the schedule, the HPPSC will conduct the HRTC Screening test for the Conductor (Class-III, Non-Gazetted) on a contract basis under the Department of Transport, H.P. on December 10, 2023. Through this recruitment drive, the Commission aims to fill a total of 360 posts of Conductor in HRTC under the Department of Transport, H.P.The test will be conducted in various districts of Himachal Pradesh, including Bilaspur, Chamba, Hamirpur, Dharamshala, Kullu, Mandi, Shimla, Nahan, Solan, Una, Keylong, Reckong Peo. Scheme of ExamThere shall be Objective Type Exams (MCQ) (either online or offline). Marks obtained in Objective TypeExam (MCQ) shall be counted for deciding the merit of candidates. The candidates, who will qualify for the objective type examination, will have to appear for verification of documents to ascertain their eligibility and category claimed. The final selection of candidates will be made purely on the basis of marks obtained in the Objective Type test only. How to check HRTC Conductor test Date 2023?Step 1: Visit the official website of the Himachal Pradesh Public Service Commission at hppsc.hp.gov.inStep 2: On the homepage, go to the 'What's New' sectionStep 3: Click on the link that reads, "Press Note - Regarding Screening Test for the Post(s) of Junior Scientific Officer held on 29.10.2023"Step 4: A PDF of the test schedule will open on the screenStep 5: get and take a printout of the same for future referenceAdmit CardNo admit cards/ call letters will be sent by post and provisionally admitted candidates will have to get their respective admit cards along with instructions for the concerned post(s0 from the official website of the Commission.Frequently Asked Questions (FAQs)Question 1. What is the purpose of the HPPSC's tentative schedule for the Conductor (Class-III, Non-Gazetted) recruitment screening test?Answer: The HPPSC's tentative schedule for the Conductor (Class-III, Non-Gazetted) recruitment screening test is released to inform candidates of the examination dates for this recruitment process.Question 2. When will the screening test for the Conductor (Class-III, Non-Gazetted) posts in HRTC, Himachal Pradesh, be conducted?Answer: The screening test for the Conductor (Class-III, Non-Gazetted) posts in HRTC, Himachal Pradesh, is scheduled to be conducted on December 10, 2023.Question 3. How many Conductor posts is the HPPSC aiming to fill under the Department of Transport, Himachal Pradesh, through this recruitment drive?Answer: The HPPSC aims to fill a total of 360 posts of Conductor in HRTC under the Department of Transport, Himachal Pradesh, through this recruitment drive.

SST examination

THE imperative need for comprehensive reform in the syllabus that has been designed for the Secondary School Teacher (SST) examination by the

Sindh Public Service Commission (SPSC) cannot really be overemphasised. It is of critical value on several counts.

Acknowledging the commission’s commitment to upholding educational standards and selecting highly qualified candidates, it is crucial to address a set of alarming concerns that require immediate rectification.

Foremost among these concerns is the glaring issue in the current distribution of subjects, particularly within the ‘general’ category. The inclusion of both Sindhi and Urdu subjects poses a significant challenge. This duality unfairly places candidates at a marked disadvantage, especially those whose proficiency varies between the two languages.

As a result, candidates stand to lose a staggering 20 per cent of their marks, leading to an test that is inherently biased. To remedy this, the SPSC should consider offering either Urdu or Sindhi within the ‘general’ category, thereby ensuring an equitable playing field for all candidates.

Similarly, a troubling gap in the ‘science’ category has been related to Computer Science and Biology. A significant number of students opt to study Computer Science over Biology during their IX grade curriculum. Consequently, academically proficient Computer Science students confront unnecessary difficulties during the examination.

The commission should reconsider the syllabus, fostering a more inclusive approach that accommodates all prospective candidates, particularly those who are unemployed and require a broader range of subjects to choose from.

Moreover, the challenges associated with the category selection process on the commission’s website needs to be addressed. Past candidates have encountered persistent technical issues leading to inadvertent errors in category selection.

Many have mistakenly opted for the ‘general’ category instead of the ‘science’ category, and vice versa, due to website malfunctions. This predicament has left candidates distressed and uncertain about their exam. It is imperative that the SPSC promptly rectifies these technical issues and enhances the website’s functionality to provide a just and fair opportunity to all candidates.

The intention in raising these concerns about the current SST examination syllabus is not to undermine the commi- ssion’s dedication, but to strengthen the educational system and render the examination process accessible and equitable.

The SPSC management should seriously reconsider the allocation of subjects within the categories, and urgently address the technical glitches affecting category selection on the website.

It is firmly believed that by doing so, the commission can establish a more just and inclusive examination process, allowing all candidates to demonstrate their true potential.

The relevant authorities should take prompt and resolute steps to address these pressing concerns. Together, efforts can contribute to the establishment of a more equitable and inclusive educational system.

Intikhab UlfatKarachi

Published in Dawn, December 18th, 2023


OJEE 2023 - Odisha Joint Entrance Test, 2023

 

Every year, the Odisha Joint Entrance test Board posts the official OJEE syllabus on its website for all interested candidates. The syllabus contains all the information about the subjects and key concepts covered in the examination. Additionally, the OJEE syllabus will assist the applicants in determining the crucial Topics and verifying the topic-by-topic distribution of marks or weight assigned to distinct areas.

 

OJEE Syllabus for UG Courses - 

 

The OJEE test syllabus for undergraduate courses is intended to assess the candidate's knowledge and understanding of the subjects covered in their 10+2 or equivalent examination. The OJEE test syllabus is structured into sections based on the course for which the candidate is appearing. 

 

OJEE 2023 Syllabus for B.Pharm

Subject

Topics Covered

Physics

Chemistry

  • General Behaviour of Matter (Solid State, Liquid State, Solutions, Gaseous State)

  • Basic Concepts of Chemistry (Atoms and Molecules)

  • Structure of atoms and molecules

  • Chemical bonds

  • Periodic classification

  • Chemical energetics, equilibrium, and kinetics (Energetics, Equilibria, Kinetics)

  • Types of chemical reaction

  • Non-metals

  • Electrochemistry

  • Surface Chemistry

  • Metals and metallurgy

  • Organic chemistry

  • Aliphatic compounds

  • Aromatic compounds

  • Biochemistry

  • Chemistry in the Service of Mankind

  • Environmental Chemistry

  • Mathematics

  • Logic

  • Sets, Relation, and Function

  • Number system

  • Determinants and matrices

  • Trigonometry

  • Co-ordinate geometry of two dimensions

  • Coordinate geometry of three dimensions

  • Sequence and Series

  • Vectors

  • Differential calculus

  • Integral calculus

  • Differential equations

  • Probability and statistics

  • Biology

  • Botany

  • Diversity of plant life

  • Morphology of angiosperms

  • Taxonomy of flowering plants

  • Cell: Structure and function

  • Continuity of life

  • Genetic material

  • Recombinant DNA and Tissue culture technique

  • Microbes in Human Welfare

  • Complexities of plant life

  • Plant Breeding:

  • Processes in plants

  • Ecology

  • Economic Botany

  • Common plant diseases

  • Zoology

  • Animal World

  • Animal Histology

  • Animal Locomotion

  • Animal Nutrition

  • Animal Respiration

  • Animal Circulation

  • Animal Excretion

  • Control and Co-ordination

  • Animal Reproduction and human development

  • Genetics and Evolution

  • Biotechnology

  • Human Diseases

  • Biology in human welfare

  • Environmental Issues      

  •  

    OJEE 2023 Syllabus for Integrated MBA

  • Quantitative Techniques

  • Analytical and Logical Reasoning

  • Verbal Reasoning and Comprehension

  • General Awareness and Business Fundamentals

  •  

    OJEE 2023 Syllabus for B. CAT (Cine & Sound)

  • Physics

  • Chemistry

  • Mathematics

  • English

  •  

    OJEE 2023 Syllabus for B. CAT (Film Editing)

  • English

  • Everyday Science

  • General Knowledge

  • Reasoning

  •  

    OJEE Syllabus for PG Courses - 

    The OJEE test syllabus for postgraduate courses is intended to assess the candidate's knowledge and understanding of the subjects covered in their graduation or equivalent examination. The OJEE test syllabus is structured into sections based on the course for which the candidate is appearing.

    OJEE 2023 Syllabus for MCA

    Subject

    Topics Covered

    Mathematics

  • Logic

  • Sets, Relation and Function

  • Number system

  • Determinants and matrices

  • Trigonometry

  • Co-ordinate geometry of two dimensions

  • Coordinate geometry of three dimensions

  • Sequence and Series

  • Vectors

  • Differential calculus

  • Integral calculus

  • Differential equations

  • Probability and statistics

  • Computer Awareness

  • Introduction to Computer

  • Computer Arithmetic

  •  

    OJEE 2023 Syllabus for M.Arch

    Subject

    Topics Covered

    Reasoning

  • Verbal

  • Analytical

  • Logical

  • Branch Subject (Architecture)

  • City Planning

  • Landscape Design

  • Computer-aided Design

  • Environmental Studies, Climatology & Building Sciences

  • Introduction to Architecture and Urban Design

  • History of Architecture

  • Theory of Design & Contemporary Architecture

  • Building Services

  • Building Construction & Management

  • Materials and Structural Systems

  • Infrastructure, Services & Amenities

  • Architectural Conservation

  • OJEE 2023 Syllabus for M.Plan

    Subject

    Topics Covered

    Reasoning

    Branch Subject (Planning)

  • Planning Theory and Techniques

  • Urban Sociology and Planning Economics

  • Planning Legislation

  • Housing and Community Planning

  • Environment Planning

  • Infrastructure Planning

  • Traffic and Transportation Planning

  • Heritage and Conservation Planning

  • Disaster Management and Planning

  • Project Formulation and Implementation

  • Urban Governance

  • OJEE 2023 Syllabus for M.Tech

    Subject

    Topics Covered

    Reasoning

    Engineering Mathematics

             Branch Subject

  • Biotechnology

  • Chemical Engineering

  • Civil Engineering

  • Computer Science / Information Technology

  • Electrical Engineering

  • Electronics Engineering

  • Environmental Engineering

  • Mechanical Engineering

  • Metallurgical Engineering

  • Plastic Engineering

  • Textile Engineering

  • OJEE 2023 Syllabus for MBA

  • Quantitative Techniques

  • Analytical and Logical Reasoning

  • Verbal Reasoning and Comprehension

  • General Awareness and Business Fundamentals

  • OJEE 2023 Syllabus for M.Pharm

    Syllabus for Special OJEE Courses -   

    OJEE 2023 Syllabus for B. Tech(2nd/Special OJEE)

    Subject

    Topics Covered

    Mathematics

  • Logic

  • Sets, Relation and Function

  • Number system

  • Determinants and matrices

  • Trigonometry

  • Co-ordinate geometry of two dimensions

  • Coordinate geometry of three dimensions

  • Sequence and Series

  • Vectors

  • Differential calculus

  • Integral calculus

  • Differential equations

  • Probability and statistics

  • Physics

    Chemistry

  • General Behaviour of Matter (Solid State, Liquid State, Solutions, Gaseous State)

  • Basic Concepts of Chemistry (Atoms and Molecules)

  • Structure of atoms and molecules

  • Chemical bonds

  • Periodic classification

  • Chemical energetics, equilibrium, and kinetics (Energetics, Equilibria, Kinetics)

  • Types of chemical reaction

  • Non-metals

  • Electrochemistry

  • Surface Chemistry

  • Metals and metallurgy

  • Organic chemistry

  • Aliphatic compounds

  • Aromatic compounds

  • Biochemistry

  • Chemistry in the Service of Mankind

  • Environmental Chemistry

  •  

     

     

     

     


     


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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