what are the applications programs?

Answer 1

An application is an executable file such as any software program you would run on your computer. Executables typically have the .EXE file extension but others do exist.

Crimeware will often try to sneak these other types of files onto your computer through email by telling you to download it from the spam in question. When in doubt, you can usually use a search engine to find information regarding the particular extension letters if not the filename itself.
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Answer 2

That usually simply means your Software programs.