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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Exam Number : ICBRR
Exam Name : International Certificate in Banking Risk and Regulation (ICBRR)
Vendor Name : GARP
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ICBRR test Format | ICBRR Course Contents | ICBRR Course Outline | ICBRR test Syllabus | ICBRR test Objectives


Exam Detail:
The International Certificate in Banking Risk and Regulation (ICBRR) is a professional certification that focuses on banking risk management and regulatory compliance. It is designed to validate the knowledge and skills of individuals working in the banking industry. Here are the test details for the ICBRR certification:

- Number of Questions: The test typically consists of multiple-choice questions. The exact number of questions may vary, but typically, the test includes around 100 to 120 questions.

- Time Limit: The time allocated to complete the test is 2.5 to 3 hours.

Course Outline:
The ICBRR certification course covers a wide range of subjects related to banking risk management and regulatory compliance. The course outline typically includes the following areas:

1. Introduction to Banking Risk and Regulation:
- Understanding the role of risk management and regulation in the banking industry.
- Overview of key regulatory frameworks and international standards.

2. Credit Risk Management:
- Assessing credit risk and implementing risk mitigation strategies.
- Evaluating borrower creditworthiness and loan portfolio management.

3. Market Risk Management:
- Identifying and managing risks associated with financial markets and instruments.
- Evaluating market risk factors and measuring portfolio risk.

4. Operational Risk Management:
- Identifying and mitigating risks related to internal processes, systems, and human factors.
- Implementing controls and incident management procedures.

5. Liquidity Risk Management:
- Managing liquidity risks and ensuring sufficient funding for banking operations.
- Monitoring cash flows, funding sources, and regulatory requirements.

6. Compliance and Regulatory Frameworks:
- Understanding regulatory requirements and compliance obligations.
- Implementing effective compliance programs and internal controls.

7. Governance and Risk Culture:
- Promoting a strong risk management culture within the organization.
- Establishing effective governance structures and risk oversight mechanisms.

8. Basel Accords:
- Understanding the Basel framework and its impact on banking risk management.
- Complying with capital adequacy and risk measurement standards.

Exam Objectives:
The objectives of the ICBRR test are as follows:

- Assessing candidates' understanding of banking risk management principles and practices.
- Evaluating candidates' knowledge of regulatory frameworks and compliance requirements.
- Testing candidates' ability to identify and analyze banking risks and implement risk mitigation strategies.
- Evaluating candidates' knowledge of governance and risk culture within banking organizations.

Exam Syllabus:
The specific test syllabus for the ICBRR certification covers the following topics:

1. Introduction to Banking Risk and Regulation
2. Credit Risk Management
3. Market Risk Management
4. Operational Risk Management
5. Liquidity Risk Management
6. Compliance and Regulatory Frameworks
7. Governance and Risk Culture
8. Basel Accords



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AstraZeneca and the world according to GARP

AstraZeneca PLC (LSE:AZN), the Anglo-Swedish pharmaceutical giant, stands as a quintessential example of a 'Growth at a Reasonable Price' (GARP) investment opportunity, according to Bank of America.

This strategy, which marries the principles of growth and value investing, seeks companies with consistent earnings growth that are not overvalued in the market.

AZ's current market position illustrates the GARP approach effectively. The company is trading at an attractive valuation of 13 times its estimated 2025 earnings per share (EPS), as noted by analysts at BofA. This valuation is considered reasonable within the pharmaceutical sector, especially given the company's robust growth prospects.

The company's forecast compound annual growth rate (CAGR) in EPS from FY25 to FY28 is 12%, indicating a strong potential for earnings growth. This is a key metric for GARP investors, who look for companies that combine financial solidity with promising future performance.

Pipeline 

AZ's pipeline is a significant component of its GARP narrative. The company has a best-in-class mid-stage pipeline, which is expected to drive future growth. This includes near-term events like the 2024 EPS guidance and the Dato filing and approval, which are anticipated to clear the path for further growth.

Moreover, the company's comparative advantage in the European pharmaceutical sector is notable. Despite a quieter catalyst path compared to FY23, AstraZeneca's pipeline is busier relative to its peers, with significant developments in key areas like Imfinzi and Capivasertib.

Looking ahead, AZ faces potential challenges, such as patent cliffs for major drugs like Farxiga and Soliris. However, the progression of its pipeline into phase III starts is expected to mitigate these risks, a factor closely watched by GARP investors.

Financial forecasts further bolster the Anglo-Swedish giant's GARP credentials. The company's sales CAGR from 2025 to 2029 is projected to be around 8%, with FY30 sales anticipated to be approximately 16% ahead of consensus. This better-than-expected top-line growth could positively impact mid-term margins.

For FY24, BofA expects AstraZeneca to guide for low double-digit to low teens EPS growth, factoring in a 2% negative foreign exchange impact. This guidance, while slightly below consensus, aligns with the GARP strategy's preference for sustainable growth.

In afternoon trading, the AZ shares were trading sideways at 10,211.78p.

More about GARP

GARP, or Growth at a Reasonable Price, is an investment strategy that was popularised by legendary investor Peter Lynch. Lynch, who managed the Magellan Fund at Fidelity Investments between 1977 and 1990, achieved remarkable success and recognition through his unique approach to investing, which combined elements of both growth and value investing strategies.

Lynch's philosophy was centred on investing in companies that were growing earnings at a robust rate but whose stock prices did not fully reflect this growth due to various market factors.

This approach allowed him to identify stocks that offered both value and potential for significant growth, a balance that is at the core of GARP investing. Lynch detailed his investment strategies in his books, notably 'One Up On Wall Street' and 'Beating the Street', which have become essential readings in the world of investment.


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4 GARP Stocks to Scoop Up for Maximum Returns

Growth at a reasonable price, or GARP, is an excellent strategy to earn quick investment profits. The GARP approach helps identify stocks priced below the market or any suitable target determined by a fundamental analysis.

The strategy helps investors gain exposure to stocks with impressive prospects and trading at a discount. GARP stocks have solid chances regarding cash flow, revenues, earnings per share (EPS) and others.

A portfolio based on the GARP strategy comprises stocks that offer the best value and growth investment. NVIDIA NVDA, Global Industrial Company GIC, Sterling Infrastructure STRL and Dycom Industries DY are some GARP stocks that hold promise.

GARP Metrics — Mix of Growth & Value Metrics

The GARP strategy offers ideal investment options utilizing the best value and growth investing features. Investors adopting the GARP approach prefer stocks priced below the market or any reasonable target determined by fundamental analysis. The stocks have solid prospects based on cash flow, revenues, EPS, etc.

Growth Metrics

A strong earnings growth history and impressive earnings prospects are the primary concepts that GARP investors borrow from the growth investing strategy. However, instead of super-normal rates, pursuing stocks with a more stable and reasonable growth rate is a tactic of GARP investors. The GARP strategy considers growth rates between 10% and 40% ideal.

Another metric considered by growth and GARP investors is the return on equity (ROE). GARP investors look for strong and higher ROE than the industry average to identify superior stocks. Moreover, stocks with a positive cash flow find precedence under the GARP plan.

Value Metrics

GARP investing prioritizes one of the popular value metrics — the price-to-earnings (P/E) ratio. The investing style picks stocks with higher P/E ratios than value investors, but it avoids companies with extremely high P/E ratios. The price-to-book value (P/B) ratio is also taken into consideration.

Using the GARP principle, they have run a screen to identify stocks that should offer solid returns in the near term.

Story continues

Screening Parameters

Along with the criteria discussed in the above section, they have considered a Zacks Rank #1 (Strong Buy) or 2 (Buy).

Last five-year EPS & projected 3-5-year EPS growth rates between 10% and 40% (Strong EPS growth history and prospects ensure improving business.)

ROE (in the past 12 months) greater than the industry average (Higher ROE compared with the industry average indicates superior stocks.)

P/E and P/B ratios are less than the M-industry average (P/E and P/B ratios less than the industry indicate that the stocks are undervalued.)

Here are four of the five stocks that made it through the screen:

NVIDIA is the worldwide leader in visual computing technologies and the inventor of the graphic processing unit, or GPU. The company currently flaunts a Zacks Rank #1. You can see the complete list of today's Zacks #1 Rank stocks here.

NVIDIA has gained 230.2% on a year-to-date basis. It has a trailing four-quarter earnings surprise of 18.99% on average. The Zacks Consensus Estimate for NVDA’s fiscal 2024 earnings has been revised upward by 2.5% to $11.01 per share over the past 30 days.

Global Industrial Company is an industrial distributor of industrial, and maintenance, repair and operation products in North America. The company currently sports a Zacks Rank #1.

Global Industrial Company has gained 61.8% on a year-to-date basis. It has a trailing four-quarter earnings surprise of 8.55% on average. The Zacks Consensus Estimate for GIC’s 2023 earnings has moved 2.2% north to $1.85 per share over the past 30 days.

Sterling Infrastructure operates through subsidiaries within segments specializing in E-Infrastructure, Building and Transportation Solutions that aid in developing large-scale site development systems and services projects, residential and commercial concrete foundation projects, and infrastructure and rehabilitation projects for highways, roads and bridges to name a few. The company currently carries a Zacks Rank #2.

Sterling Infrastructure has gained 98.1% on a year-to-date basis. It has a trailing four-quarter earnings surprise of 12.18% on average. The Zacks Consensus Estimate for 2023 earnings has moved 2.4% north to $4.19 per share over the past 30 days.

Dycom Industries is a specialty contracting firm operating in the telecom industry, offering diverse services such as engineering, construction, maintenance and installation services to the cable and telephone companies. The company currently carries a Zacks Rank #2.

Dycom has gained 7% on a year-to-date basis. It has a trailing four-quarter earnings surprise of 154.25% on average. The Zacks Consensus Estimate for fiscal 2024 earnings has moved 12.8% north to $7.30 per share over the past 30 days.

Get the remaining stock on the list and start testing this and other ideas. It can all be done with the Research Wizard stock picking and back-testing software.

The Research Wizard is a great place to begin. It's easy to use. Everything is in plain language. And it's very intuitive. Start your Research Wizard trial today. And the next time you read an economic report, open up the Research Wizard, plug your finds in, and see what gems come out.

Click here to sign up for a free trial to the Research Wizard today.

Disclosure: Officers, directors and/or employees of Zacks Investment Research may own or have sold short securities and/or hold long and/or short positions in options that are mentioned in this material. An affiliated investment advisory firm may own or have sold short securities and/or hold long and/or short positions in options that are mentioned in this material.

Disclosure: Performance information for Zacks' portfolios and strategies are available at: https://www.zacks.com/performance.

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

NVIDIA Corporation (NVDA) : Free Stock Analysis Report

Dycom Industries, Inc. (DY) : Free Stock Analysis Report

Sterling Infrastructure, Inc. (STRL) : Free Stock Analysis Report

Global Industrial Company (GIC) : Free Stock Analysis Report

To read this article on Zacks.com click here.

Zacks Investment Research


 


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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