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Test Code : 00M-620
Test cognomen : IBM Risk Analytics Sales Mastery Test v1
Vendor cognomen : IBM
real questions : 24 true Questions

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the world IS remodeling 2017

the locality is reworking and we're in the focus of the only greatest transformation the locality has even considered on account that the commercial Revolution well-nigh 250 years in the past. huge data powered by ersatz Intelligence (AI) and machine learning is the subsequent natural aid, dote air, oil, water, and the convergence of great information and Cloud with AI and computing device getting to know is a potential multi-trillion-dollar opportunity.

AI is remodeling the manner corporations are defined, designed and delivered and enterprise value is captured. The mode is accelerating as a recent analysis from Gartner estimates that clients may breathe in a position to control 85 percent of the interactions with an enterprise devoid of human intervention via 2020. within the years to return, enterprises will adopt a differentiated IT approach with the aid of enforcing AI and exploring the scholarship of huge statistics.


• according to a new analysis through Salesforce ‘State of the connected customer, fifty seven percent of consumers expect voice-activated smart assistants to own an stupendous or qualify influence on their every day lives via 2020.

• Gartner predicts that 30% of outright companies will employ AI to augment at least one in every of their simple earnings procedures with the aid of 2020.

• in keeping with Gartner, 20% of businesses will dedicate workers to computer screen and bespeak neural networks by means of 2020.

• As per McKinsey, the total annual exterior investment in AI was between $8B-$12B in 2016, with ML attracting well-nigh 60% of that investment.

• IBM Watson forecasts a $2 trillion possibility within the ML market over the next decade.

• IDC estimates that by passage of 2020, transactions on the internet will attain 450 billion per day and commercial enterprise-generated content will exceed 240 exabytes i.e. 240 billion gigabytes daily.

• A survey via Veritas states that over 70 percent of corporations has the persuasion that cloud is not any greater ‘not obligatory for corporations to continue to breathe aggressive. • in keeping with IDC, 60 percent of ML will hasten on Amazon, Google, IBM, or Microsoft by passage of 2020.


IDC predicts that the Cognitive techniques and AI market will develop from $8 Billion in 2016 to $47 Billion in 2020. Forrester predicts a 300% enlarge in AI investments in 2017 compared to 2016.

"we're getting into a new world. The technologies of desktop learning, speech consciousness, and natural language knowing are achieving a nexus of ability." –Amy Stapleton, impartial commerce Analyst : Opus analysis

tips and communications, Manufacturing and fiscal functions are the early adopters of AI and should behold the highest boom prices driven by passage of AI in 2035. (supply – McKinsey and Accenture research).

AI could acquire immediate contributions towards primary company choices leading to elevated profitability for the companies. probably the most areas the status the own an impact on of AI will furthermore breathe felt presently are deliver chain management, forecasting, stock optimization and creation scheduling in Manufacturing, improving efficiencies with the aid of cutting back the oversight in repetitive, manual tasks including credit score scoring and first-stage customer inquiries for monetary services. AI drives massive can charge, time and method-related savings impulsively for outright the industries. Availability of excessive-velocity bandwidth, computing elements and growth in grandiose facts are the three key drivers for ersatz Intelligence and should continue to gas AI implementation via companies for long term merits.

The current AI wave is poised to eventually wreck through

funding in AI is transforming into at a high rate, however adoption in 2017 remains low

computing device researching

AI is a broad term that encompasses a lot of applied sciences with different capabilities to lead choice making. One such expertise is computing device learning. computer studying implementation will develop as machine learning as a carrier (MLaaS) and is estimated to develop from USD 613.four Million in 2016 to USD three,755.0 Million by means of 2021, at a CAGR of forty three.7% from 2016 to 2021.

ML contributions throughout industries cover latitude of capabilities dote client features, income & advertising, production challenges, information analysis and predictive analysis for resolution making. The records prosperous corporations own a transparent competencies on account of MLs skill to study and enrich at outright times.

Exponential facts growth when it comes to unstructured information and real-time records from IoT networks, and economics of digital storage and cloud computing are enlarge drivers for ML across industries. in response to Gartner, eighty% of commercial enterprise records is unstructured and significant for strategic enterprise choices, further including to an inevitable requisite for ML implementation.

large facts

IDC estimates that worldwide revenues for huge facts and company Analytics will grow from $one hundred thirty Billion in 2016 to more than $203 Billion in 2020, at a CAGR of eleven.7%. stupendous organizations may breathe the fundamental adopters of the huge information probability, expected to generate revenues exceeding $154 Billion in 2020.

large records is making an influence across quite a few company operations dote customer sentiment analysis, hyper-personalized customer experiences, decreasing churn fee of customers, figuring out purchasing and media selection of valued clientele, and fraud and possibility administration to point out a few. The main drivers for huge data are commerce needs of innovation, scholarship for brand new insights and boom of statistics in numerous codecs with great abilities to acquire contributions to profitability of groups.


As per Gartner, public cloud features market is poised to grow up from $209.2 Billion in 2016 to $246.eight Billion in 2017. Infrastructure as a service (IaaS) will continue to drive optimum boom and is projected to grow 36.eight percent in 2017 to attain $34.6 Billion.

SaaS will proceed to grow as second greatest section in cloud features market. Cloud capabilities market will event additional exact emigrate present in-house infrastructure to the cloud on account of ersatz Intelligence and cyber web of things (IoT).


information is turning out to breathe faster than ever before. according to advertising Cloud document by means of IBM, 90% of the records on this planet nowadays has been created within the final two years by myself. today, below 1% of the worlds information is analysed, according to Digital Universe analyze. implementing AI applied sciences own the means to harness the replete potential of information.

AI and laptop gaining scholarship of own been mentioned for decades however the convergence of huge statistics and Cloud with AI and computer researching is true now for three explanations:

a. Computing power: Computing materials attainable these days are great. With access to applied sciences dote AWS, Microsoft Azure, computing energy isn't any longer a constraint.

b. Bandwidth: more advantageous availability of high bandwidth has positively impacted accessibility.

c. information: access to grandiose volumes of unstructured and structured facts is changing the suggestions landscape at their disposal.


The closing era of trillion greenbacks were created out of common Indian IT expertise companies that own been concentrated on returned-end and fees. The subsequent trillions of greenbacks should breathe created by means of entrance-end innovation pushed technology organizations concentrated on price.

AI goes to transform organizations quicker than ever and the primary signs of this transformation are considered in sectors like:

energy: Advances in disruptive applied sciences will behold scholarship challenges in power sector getting resolved. for instance, U.S. power recommendation Administration says that structures account for 48.7 percent of typical power consumption, more than another industry. powerful computation fashions built on massive information and Cloud can assist reduce dependency on power, availability, fees and consumption.

Lifesciences & prescription drugs: using transformative applied sciences to breathe aware the complexities that arise from the aggregate of a number of data from areas dote medical analysis, flora and animal genomics might interpret absolutely ingenious procedures to medicine of illnesses.

facts Infrastructure: there's a major probability for counsel administration within the areas dote facts storage, Fraud Detection and Prevention, Compliance Reporting, possibility administration to cognomen a few.


AI will define industries each new ones and ancient leveraging massive data, Cloud and machine researching to seriously change information into a efficacious talents asset and a catalyst for disruption. every human life and enterprise during this world could breathe changed with this disruption and thousands and thousands of transformative agencies might breathe created. The influence is a courageous new world and a change of an customary world.


The probability - Discovering AI is the brand new commonplace

as the world transforms, corporations are going to discontinuance up with ‘haves and have-nots in the AI house. There should breathe businesses with resources to do in coerce AI solutions and employ AI to procure to selections, and there should breathe agencies standing nonetheless within the have-not space. in line with a Forrester document "Predictions 2017: synthetic Intelligence Will drive The Insights Revolution", companies adopting AI will entrap revenues worth $1.2 trillion each year from their much less recommended peers with the aid of 2020. Discovering the vigour of AI for your company could breathe the brand new usual.

Your company solves the worlds complicated and most enthralling company challenges with AI, transforming groups into "AI-first" leaders with the aid of enabling its customers to create AI options that radically change their businesses and industries. Your companys items and features wield the entire transformational AI needs of an organization — from strategic workshops and competent-to-deploy solutions, to implementation of transformative enterprise solutions via its AI as a service (AIaaS) leveraging great data, Cloud & laptop learning event.

integrated choices

businesses requisite loads of features to enforce AI. They want an element of huge records and Cloud which is supplied by Cambridge Bigdata the status your commerce serves enterprise consumers, then they requisite the points of Cambridge Bizserve that enables to manipulate statistics, then they want facets of innovation provided with the aid of Cambridge improvements that assist groups leapfrog and most importantly, draw insights to entrap the choices, offered through Cambridge DataScience. Your companys offerings vigorous collectively on account of its understanding towards the entire lifecycle of a enterprise.

building the foundation

In 2015, your company envisaged a two-12 months commerce objective for 2015-16 and 2016-17 to focal point on three areas – building partnerships, buying referenceable purchasers in its chosen verticals and buying imperative abilities in applied sciences. In 2016-17, your enterprise accomplished the revenues of INR one hundred crores whereas serving marquee commercial enterprise valued clientele dote Schneider electric, Hills Pet nutrition and Iron Mountain. in the remaining two years, your company has do collectively the groundwork that allows it to breathe more advantageous organized to entrap abilities of the market chance.


through its confederate community, your enterprise positive factors access to the premier know-how framework and solutions, strengthening its birth capabilities.

Amazon web functions: Your commerce has developed profound relationship with AWS spanning outright disciplines in the corporation and has invested perpetually in the AWS technology stack. Your enterprise has correctly delivered a couple of tasks on AWSs expertise, together with; Redshift, SaaS applications, Dev/test and QA environments, architecture Design and Implementation, BI/BA, S3, Glacier and extra. Your enterprise is dedicated to continue constructing its AWS relationship and leveraging know-how for the improvement of its customers. In 2017, your company has additional bolstered its relationship with AWS by means of attaining massive facts Competency fame, Oracle commercial enterprise functions Competency reputation, DevOps Competency reputation and Managed carrier issuer repute.

Atlassian: As an Atlassian reply accomplice, your commerce should breathe consulting, implementing and providing solutions to purchasers, enabling them to unleash their groups capabilities. by means of leveraging products dote by passage of JIRA software, JIRA carrier Desk, JIRA Core, repute page, Confluence, Trello and HipChat, customers are capable of quickly collaborate on a considerable number of concerns and journey stronger job transparency.

Apica: Apica is a number one provider of monitoring and load trying out utility. Your companys partnership with Apica will support its purchasers to investigate optimum capability limits, video parade day by day efficiency, establish efficiency benchmarks, in the reduction of company risks and optimize infrastructure investments, resulting in lessen jump costs and better revenues.

CA applied sciences: Your commerce has joined CA applied sciences companion program to leverage their huge array of cutting edge options. Partnering with CA gives its shoppers entry to technology and know-how consultants that expands and accelerates their know-how adoption cycle customized for their inevitable wants.

ForgeRock: Your enterprise has joined ForgeRocks associate program to leverage ForgeRocks identity solutions.The partnership offers both latest and new consumers with an introduced array of application migration, progress and managed capabilities offerings coupled with ForgeRocks access administration, identity administration, identity Gateway and listing services. this may support purchasers that are seeking conclusion-to-conclusion options to entrap expertise of their replete suite of offerings.

Microsoft Azure: Your commerce provides Microsoft Azure deployment and migration functions to assist valued clientele in the reduction of can suffuse and unexpectedly construct, install and control applications throughout a worldwide network of Microsoft-managed statistics centers. Your commerce makes a speciality of Cloud assessment, Cloud Roadmap & strategy, Cloud Migration and Consulting, Analytics, massive records on Cloud and IoT.

New Relic: Your company joined the brand new Relics associate application in 2014 and has been the usage of New Relic expertise seeing that 2013. via incorporating New Relics options, your enterprise merits from an increased excellent line and primary product differentiation. Your commerce comprises New Relics performance in its choices to provide monitoring capabilities to a great percent of its consumer base. Oracle Gold associate: Your enterprise has obtained Gold associate status with Oracle making it eligible to advance, sell and do in coerce the entire stack of Oracle items and options.

Pentaho: Your enterprise has partnered with Pentaho which allows it to rehearse Pentahos commerce intelligence choices to fulfill its customers requisite for powerful company analytics and information integration. Pentaho, a Hitachi community enterprise, is a number one data integration and enterprise analytics enterprise with an business-type, open supply-based platform for distinct huge records deployments.

Rackspace: Your company has joined the Rackspace companion network to deliver its shoppers with a portfolio of Hybrid Cloud options. Rackspace is a number one provider of hybrid clouds, which allow groups to hasten their workloads the status they hasten most comfortably – no matter if on the universal public cloud, a private cloud, dedicated servers, or a coalesce of these systems.

Tableau: Your company has bought the fame of favourite Alliance companion with Tableau making it eligible to combine Tableaus application into its Cloud and grandiose statistics options that it deploys to support customers unlock the vigour of statistics. The partnership will combine the international talent pool and client achieve of your enterprise with Tableaus breakthrough analytics know-how.

focused on verticals: Your commerce has introduced a referenceable customer in each and every of its verticals - energy and Utilities, lifestyles Sciences & prescribed drugs, Industrials, BFSI and data Infrastructure.

licensed staff: Your commerce is among the few agencies on this planet with 100 percent AWS certified Cloud Operations core with the talent to give 24/7 administration of Public, Hybrid and private cloud architectures.

Certifications and Accreditations: Your enterprise is appraised on the stage 5 of the CMMI Institutes skill Maturity model Integration (CMMI) v1.three for its features. This suggests that CTE is working on particularly "Optimized" methods. There are best~30 agencies appraised at this even for capabilities in India.Your commerce is furthermore licensed withISO 9001:2008, ISO 27001:2005 which affirms that your commerce is totally committed to company options and techniques it follows in serving its consumers.

global Presence: in line with providing its global consumers entry to 24/7 progress cycle, your company bolstered its U.S. presence and improved its offshore delivery centers in India.

vision 2020

Your enterprise is joyful to announce its vision 2020. For their vision 2020, your commerce will focus of attention on here: a. biological increase: Over the next three years, on a normal, your company expects an annual revenue of $10M about from each of its 4 boom drivers i.e. Cambridge Bigdata, Cambridge Bizserve, Cambridge DataScience and Cambridge improvements. b. Upside from equity: Your commerce believes it will entrap 3-5 years to generate liquidity from its investments.

c. Inorganic growth: Your commerce has the competencies to learn inorganic growth opportunities.

Your commerce expects that the above three salary streams will capitulate effects within the next three years to expectantly obtain $50M revenues with focus on profitability.


Your commerce gives agencies unparalleled access to cutting-side expertise by means of bringing collectively the most advantageous-in-business the employ of its years of odds in constructing solutions for one of the most worlds largest and most ingenious enterprises. Your companys expertise across diverse domains makes it the favourite choice for organizations searching for an AI confederate to innovate and leapfrog the market.

THREATS, risks & issues

The talents threats and risks are usually aligned both to exchange in the external ambiance such as alterations within the know-how/customer preferences/enterprise dynamics or discovering the redress talent and keeping them. Your company is smartly positioned to prick the scholarship recognized threats and hazards, and the style it does is inevitable below:

changing Technological trends

With the relocating tempo of expertise and the manner these variables exchange with time, it turns into quintessential for the carrier provider to support up with the tempo and adopt the gaining scholarship of curve. They continuously pastime to stay ahead of the technology curve by building capabilities to fulfill the existing and future needs of their shoppers.


At CTE, outright personnel endure primary set of trainings integral to serve the existing and future enterprise needs. This helps enormously minimize the possibility of trade of know-how.

Attracting and holding skill

finding the redress benevolent of skill and maintaining them could pose a challenge for any commerce dote ours. The dynamic nature of technology, expanding exact from purchasers, and so on., warrants the commerce to focus of attention on finding the birthright sort of talent and their retention for its existence and supplying sustainable increase. Hiring the best of the breed talent varieties the core credit at CTE.

alternate cost possibility

a considerable fraction of the CTEs revenues accrues in US dollars, hence inevitably uncovered to fluctuations in change quotes of overseas alien money. Any main trade in alien forex change prices can own an own an upshot on on the companys earnings.


The IT services trade is very aggressive with local and MNC players having a great presence. competitive pressure might adversely influence pricing approach for functions impacting growth and profitability. through the years, CTE has developed profound domain expertise and delivery capabilities with skilled workforce which has made the organization to continue to breathe aggressive.

monetary OVERVIEW


image (In INR Lakhs)

revenue 10060.36 6582.49 53% total Expenditure 7854.94 5439.60 EBIDTA 2205.42 1142.89 93% Tax expense / (Tax benefit) 376.17 (251.21) net profit1688.30 905.sixty nine 86% fastened belongings 860.96 1900.45 Reserves & Surplus 2569.02 1915.82 34%

a. revenue

income expanded by means of 53% to INR 10060.36 Lakhs for the 12 months ended 31st March, 2017 as compared to INR 6582.49 Lakhs for the selfsame length final year. b. internet income & Reserves and Surplus

net profit multiplied through 86% to INR 1688.30 Lakhs for the 12 months ended thirty first March, 2017 as in comparison to INR 905.sixty nine Lakhs for the selfsame duration ultimate 12 months. as a result of enlarge in the consolidated profit, Reserves and Surplus own expanded from INR 1915.82 Lakhs in FY 2015-sixteen to INR 2569.02 Lakhs in FY 2016-17. amassed losses and unamortised goodwill as on March 31, 2016 own been adjusted against poise of Securities top class Account. c. fixed assets

internet mounted belongings stood at INR 860.96 Lakhs as on 31st March, 2017 compared to INR 1900.forty five Lakhs as on thirty first March, 2016. d. EBIDTA

The EBITDA accelerated via ninety three% at INR 2205.42 Lakhs for the year ended thirty first March, 2017 as compared to INR 1142.89 Lakhs for the selfsame length closing yr. e. Expenditure

complete Expenditure elevated to INR 7854.94 Lakhs for the 12 months ended 31st March, 2017 as in comparison to INR 5439.60 Lakhs for a similar epoch ultimate 12 months. Out of the above, worker suffuse stood at INR 4186.forty two Lakhs in FY 2016-17 as in comparison to INR 3407.25 Lakhs for the selfsame duration ultimate year.


image (In INR Lakhs)

12 months 2016 – 17 2015 – 16 increase earnings 3865.fifty five 2945.33 31% total Expenditure 3396.21 2463.sixteen EBIDTA 469.34 482.17 -three% Tax expense / (Tax benefit) 269.86 (245.seventy seven) internet profit424.36 558.50 -24% fastened assets 118.86 836.19 Reserves & Surplus 756.forty three 1309.20 -42%

salary improved by using 31% to INR 3865.fifty five Lakhs for the yr ended 31st March, 2017 as compared to INR 2945.33 Lakhs for the selfsame length ultimate 12 months. b. web earnings & Reserves and Surplus

internet income diminished with the aid of 24% to INR 424.36 Lakhs for the year ended thirty first March, 2017 as compared to INR 558.50 Lakhs for a similar epoch ultimate year. on account of lessen in profits, and because of adjustment of accrued losses and unamortised goodwill as on March 31, 2016 in opposition t poise of Securities top class Account, Reserves and Surplus own diminished from INR 1309.20 Lakhs in FY 2015-sixteen to INR 756.forty three Lakhs in FY 2016-17. c. fixed property

internet fixed belongings stood at INR 118.86 Lakhs as on thirty first March, 2017 compared to INR 836.19 Lakhs as on thirty first March, 2016. d. EBIDTA

The EBITDA reduced by means of 3% at INR 469.34 Lakhs for the yr ended thirty first March, 2017 as in comparison to INR 482.17 Lakhs for the selfsame epoch closing yr.

e. Expenditure

total Expenditure expanded to INR 3396.21 Lakhs for the yr ended thirty first March, 2017 as compared to INR 2463.16 Lakhs for the selfsame epoch closing 12 months. Out of the above, worker cost stood at INR 2063.19 Lakhs in FY 2016-17 as compared to INR 1613.70 Lakhs for a similar length ultimate yr. The details of the fiscal performance of your commerce are appearing within the poise Sheet, income & Loss Account and other fiscal statements forming fraction of this Annual document.

interior wield methods AND THEIR ADEQUACY

Your companys board and administration group video parade and acquire enhancements to your companys methods for inner wield and risk administration on an ongoing basis. Your companys efforts towards this proceed beyond what is mandatorily required, with active monitoring and review to acquire sure adequacy of wield techniques and to identify potential dangers in addition to recommend or implement measures to mitigate them.

Your enterprise has a redress and sufficient system of inner wield to ensure that outright assets are safeguarded and guarded in opposition t loss from unauthorized employ or disposition and that the transactions are authorized, pronounced and recorded accurately. Your companys internal wield apparatus is satisfactory because the nature, size and complexity of its business. Your companys internal manage methods provide, amongst different things, low-priced assurance of recording the transactions of its operations in outright cloth respects and of proposing insurance policy towards stupendous misuse or want of commerce belongings. These additionally permit your company to stick to strategies, guidelines, and rules as applicable in a transparent manner.

Your companys interior control methods are supplemented by means of an inside audit program and occasional experiences by using the management. Your commerce has appointed an independent audit company as its inside Auditors and the Audit observations are periodically reviewed by means of the Audit Committee of the Board of administrators and fundamental instructions are issued, at any status required.The latest inner manage methods and their adequacy own been reviewed considerably during the 12 months by using internal auditors and statutory auditors. they own expressed an persuasion that the inner wield apparatus is satisfactory and functioning conveniently.

HUMAN elements / INDUSTRIAL members of the family

Your company is committed to create an ambiance of learning and building, promote interior talent and construct an appreciating culture. Your enterprise has created systems for recognizing and motivating personnel for the first rate travail they achieve in the firm. Sound human useful resource progress policies of your enterprise ensures that every employee grows as an individual and contributes to the performance of your company. It furthermore works towards constructing a travail lifestyle aimed toward attaining larger performance orientation.

Our employees are their most crucial and valuable property. outright your Companys guidelines are focused against a fit, satisfied and prosperous travail environment for its personnel and thereby furthermore fulfill the aspirations of the individuals at work. Your company along with its subsidiaries ended the 12 months with a headcount of 317. the key features that define their subculture comprehend professional working ambiance, practicing and development, and compensation.


definite statements in this document or in different places within the Annual file may furthermore hold statements regarding Cambridge expertise enterprises constrained and its enlarge prospects, expected monetary place, company approach, future progress of the companys operations, generic economic system, industry structure and different trends that are in my persuasion and together ahead-searching statements. Such ahead-searching statements aren't guarantees of specific effects, future efficiency or achievements and are matter to everyday and unknown hazards, uncertainties and assumptions which are problematic to foretell. These risks and uncertainties encompass, but are not restricted to, the performance of the Indian economy and of the economies of a lot of overseas markets, the performance of the industry in India and world-broad, competition, adjustments in govt policies or rules of India, alterations relating to the administration of the enterprise, the companys talent to efficaciously do in coerce its strategy, the Companys future degrees of boom and enlargement, technological implementation, adjustments and developments, adjustments in income, income or money flows, the Companys market preferences and its publicity to market risks, in addition to other risks. The Companys genuine consequences, tiers of activity, performance or achievements may vary materially and adversely from results expressed in or implied with the aid of this record. The enterprise assumes no responsibility to update any forward-searching assistance contained during this record.

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