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.

Wo erhalte ich vollständige Informationen über ICDL-Powerpoint?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ICDL-Powerpoint: The ICDL L4 PowerPoint Prüfung.

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Exam Number : ICDL-Powerpoint
Exam Name : The ICDL L4 PowerPoint
Vendor Name : ICDL
Update : Click Here to Check Latest Update
Question Bank : Check Questions

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ICDL-Powerpoint exam Format | ICDL-Powerpoint Course Contents | ICDL-Powerpoint Course Outline | ICDL-Powerpoint exam Syllabus | ICDL-Powerpoint exam Objectives

Test Detail:
The ICDL-Powerpoint exam, also known as the ICDL Level 4 PowerPoint exam, is a certification exam that measures an individual's proficiency in using Microsoft PowerPoint. The exam evaluates the candidate's knowledge and skills in creating, formatting, and delivering professional presentations using PowerPoint. This certification is designed for individuals who want to demonstrate their competence in effectively utilizing PowerPoint for various purposes.

Course Outline:
The ICDL Level 4 PowerPoint course provides participants with comprehensive knowledge and practical skills in creating impactful presentations using Microsoft PowerPoint. The following is a general outline of the key areas covered in the certification program:

1. PowerPoint Basics:
- Understanding the PowerPoint interface and navigation.
- Working with slides, layouts, and placeholders.
- Formatting text and paragraphs.
- Applying themes and slide backgrounds.

2. Slide Design and Layout:
- Creating visually appealing slides with appropriate layout and design.
- Working with slide masters and templates.
- Incorporating multimedia elements (images, videos, audio) into slides.
- Applying animation and transition effects.

3. Content Creation and Management:
- Creating and formatting shapes, charts, and tables.
- Inserting and editing images, videos, and audio.
- Managing slide content and organization.
- Working with SmartArt graphics and diagrams.

4. Slide Show Delivery:
- Setting up slide show options and timings.
- Adding and managing slide transitions and animations.
- Using presenter tools and techniques for effective delivery.
- Customizing slide show settings and preferences.

Exam Objectives:
The ICDL-Powerpoint exam assesses candidates' knowledge and practical skills in using Microsoft PowerPoint for creating professional presentations. The exam objectives include, but are not limited to:

1. Creating and formatting slides, text, and objects in PowerPoint.
2. Designing visually appealing and effective slide layouts.
3. Incorporating multimedia elements and applying animation and transition effects.
4. Managing and organizing slide content.
5. Delivering presentations using slide show features and presenter tools.

The ICDL Level 4 PowerPoint certification program typically includes comprehensive training provided by authorized ICDL training centers. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to PowerPoint and its features
- Slide creation, formatting, and design
- Working with multimedia elements and animations
- Slide organization and content management
- Slide show delivery and customization
- exam preparation and practice tests
- Final ICDL Level 4 PowerPoint Certification Exam

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CTET Answer Key with Question Paper 2023 PDF: download Solved Paper 1, Paper 2 Set A/B/C/D

CTET Answer Key with Question Paper 2023 PDF Download: Get CTET Paper 1 and Paper 2 with answer Keys of the Central Teacher Eligibility Test exam held on August 20, 2023, in offline mode for all the sets - A, B, C, and D. The 17th edition of the CTET exam 2023 was held in 20 languages.

CTET Answer Key with Question Paper 2023 PDF Download

CTET Answer Key with Question Paper 2023 PDF Download: CTET 2023 exam was successfully conducted today, August 20, 2023, in offline mode. Paper-1 was held in the morning shift (9:30 AM to 12:00 Noon) and Paper-2 was held in the afternoon shift (2:30 PM to 5:00 PM). All the questions asked will be in the objective MCQ format and there will be no negative marking for wrong answers.

Below is the exam pattern followed by CBSE in the CTET 2023 exam:

CTET Paper 1 exam Pattern 2023


No. of MCQs

Maximum Marks


Child Development and Pedagogy

30 MCQs

30 Marks

2 hours and 30 minutes

Language I (Compulsory)

30 MCQs

30 Marks

Language II (Compulsory)

30 MCQs

30 Marks


30 MCQs

30 Marks

Environmental Studies

30 MCQs

30 Marks


150 MCQs

150 Marks

CTET Paper 2 exam Pattern 2023


No. of MCQs

Maximum Marks


Child Development and Pedagogy

30 MCQs

30 Marks

2 hours and 30 minutes

Language I (Compulsory)

30 MCQs

30 Marks

Language II (Compulsory)

30 MCQs

30 Marks

Mathematics and Science

(for Mathematics and Science teacher)

OR (v) Social Studies/Social Science (for Social Studies/Social Science teacher) 

For any other teacher - either (IV) or (V)

60 MCQs

60 Marks


150 MCQs

150 Marks

In this article, they have shared the question paper of the CTET exam 2023. The answer key for the CTET 2023 Paper-1 has been shared below the question paper. The official CTET 2023 Answer Key will be released after a few days of the exam.

Career Counseling

So, let’s have a look at the CTET 2023 Paper-1 and Answer Key:

CTET Question Paper and Answer Key 2023: Paper 1 PDF Download

Download the CTET question paper and answer key 2023 for Paper-1 which is for the candidates who intend to be a teacher for Classes I to V:

CTET Paper 1 Question Paper and Answer Key 2023 

CTET Paper 1 Question Paper (Set-A/B/C/D)

Download PDF

CTET Paper 1 Answer Key (Set-A/B/C/D)

Download PDF

CTET Question Paper and Answer Key 2023: Paper 2 PDF Download

Download the CTET question paper and answer key 2023 for Paper-2 which is for the candidates who intend to be a teacher for Classes VI to VIII:

CTET Paper 2 Question Paper and Answer Key 2023 

CTET Paper 2 Question Paper (Set-A/B/C/D)

Download PDF

CTET Paper 2 Answer Key (Set-A/B/C/D)

Download PDF

Language of the CTET Question Paper 2023

The main question paper shall be Bilingual (Hindi/English). The Language I and II questions will be asked from the language chosen by the candidate:


Code No.


Code No.









































Highlights of CTET Exam 2023 

- CTET Dec 2023 Exam is being in offline mode across 184 exam centres in India.

- Each question carries an equal 1 mark in Paper-1 and Paper-2.

- 150 questions will be asked in 150 minutes to complete the test (Paper-1 & Paper-2 each).

- There will be no negative marking for the wrong answers.

  • CTET is qualifying in nature. CTET is an eligibility test only. Qualifying in the CTET would not confer a right on any person for Recruitment/ Employment as it is only one of the CTET eligibility criteria for appointment.
  • Check here CTET answer key 

    CTET Official Answer Key 2023

    The CBSE will display the provisional CTET answer key of Paper-1 and Paper-2 on the CTET official website - ctet.nic.in. The board will provide an opportunity for the candidates to challenge the provisional answer keys with a non-refundable prescribed fee as processing charges. The provisional answer keys are likely to be displayed for two to three days. Only paid challenges made during the stipulated time will be considered.

    The board’s decision on the challenges shall be final and no further communication will be entertained. CBSE will not inform the candidates individually about their challenges. The subject experts will examine all the challenges received and then the final answer keys will be displayed. The result will be declared according to the final answer keys.

    Also Check;

    FAQ Q1. Where will the CTET Question Paper and Answer Key 2023 be released officially?

    The CTET Question Paper and Answer Key 2023 will be released officially at the website - ctet.nic.in.

    Q2. When will the official CTET Answer Key 2023 be released?

    The official CTET 2023 Answer Key will be released after a few days of the CTET exam 2023.

    Q3. In how many languages the CTET 2023 exam is being held?

    The main CTET question paper shall be Bilingual (Hindi/English). The Language I and II questions will be asked from the language chosen by the candidate amongst the 20 languages.

    How to save Google Slides as PDF

    If you want to save Google Slide as PDF, here is how to do it. Even if you want to save a Google Slides presentation as PDF with speaker notes, you can do that. No matter how many slides you have, there is no need to download third-party add-ons or use services to get the job done.

    How to save Google Slides as PDF

    To Google Slides as PDF, follow these methods:

  • Using in-built download option
  • Using Print menu
  • To learn more about these methods, continue reading.

    1] Using in-built download option

    No matter whether you use Google Docs, Google Sheets, or Google Slides, you can find a common option called Download. This particular option helps you download your slides or presentation in various formats, including PDF. To use this option, you need to follow these steps:

    First, make sure that you have created the slides entirely and it is ready to download. If so, click on the File menu visible in the top-left corner.

    Then, select the Download option. It displays a series of options. From here, you need to select the PDF document option.

    How to save Google Slides as PDF

    Once done, the download will start immediately.

    2] Using Print menu

    There could be times when you might want to download a specific slide of your presentation. The general download option doesn’t allow you to download a single slide of your presentation. That is why you can use the Print menu to download a particular slide or any number of specific slides as per your requirements.

    To use the Print menu to download Google Slides as PDF, follow these steps:

    Once the editing is done, click on the File menu and select the Print option.

    How to save Google Slides as PDF

    Alternatively, you can press Ctrl+P to do the same. It opens the Print prompt. Once it is visible, expand the Destination list and select the Microsoft Print to PDF option.

    Then, head to the Pages menu and expand it. From here, you can choose one of the four options:

  • All
  • Odd pages only
  • Even pages only
  • Customized
  • If you want to download a particular slide, you need to select the Customized option.

    How to save Google Slides as PDF

    Next, enter the page number and click the Print button.

    It will download your slide as PDF.

    Note: We have tried it on Google Chrome. The print prompt may appear differently on a different browser. However, every browser allows you to do the same.

    The main drawback of these two methods is that they do not download the slide with speaker notes. If you have included speaker notes in your slide, you cannot find them once it downloads as PDF. At times, speaker notes are important since you might have added some notes to demonstrate the slide to others. Fortunately, Google Slides comes with an option that lets you download the presentation as PDF with speaker notes.

    How to download Google Slides as PDF with speaker notes

    To download Google Slides as PDF with speaker notes, follow these steps:

  • Click on the File menu.
  • Select the Print preview option.
  • Click on the 1 slide without notes menu.
  • Choose the 1 slide with notes option.
  • Click the Download as PDF option.
  • To know more about these steps, keep reading.

    First, you need to click on the File menu and choose the Print preview option.

    By default, it does not show the speaker notes. To show them, click on the 1 slide without notes menu and choose the 1 slide with notes option.

    How to download Google Slides as PDF with speaker notes

    Once done, click the Download as PDF option.

    It starts the download instantly. Once it is done, you can find the slide in the PDF version with all the speaker notes.

    Read: How to convert Documents to PDF with Google Docs from any browser

    How do I save a slide as a PDF?

    If you want to save a slide as a PDF, you need to use the Print option. Go to File > Print to open the Print prompt first. Next, expand the Destination menu and select the Microsoft Print to PDF option. Then, head to the Pages menu. From here, select the Customized option and enter the slide or page number as per your requirements. Finally, click the Print button to save a particular slide as PDF.

    Can you save Google Slides as a PDF with notes?

    Yes, you can save Google Slides as a PDF with notes or speaker notes. As the generic option doesn’t show or save all the speaker notes, you need to use the Print preview option. Make sure the 1 slide with notes option is selected. If so, you can click on the Download as PDF option to download the presentation or slides with notes.

    Read: Convert Word, PowerPoint, Excel Documents into PDF using Google Docs.

    How to save Google Slides as PDF

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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 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.


    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:


    • 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


    • 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