Bank of Canada Financial System Survey Highlights, Spring 2019 Decreased materially_Spring 2019 Decreased materially_Average of spring and fall 2018 Financial System Surveys Decreased slightly_Spring 2019 Decreased slightly_Average of spring and fall 2018 Financial System Surveys Remain unchanged_Spring 2019 Remain unchanged_Average of spring and fall 2018 Financial System Surveys Increased slightly_Spring 2019 Increased slightly_Average of spring and fall 2018 Financial System Surveys Increased materially_Spring 2019 Increased materially_Average of spring and fall 2018 Financial System Surveys Completely confident_Spring 2019 Completely confident_Average of spring and fall 2018 Financial System Surveys Very confident_Spring 2019 Very confident_Average of spring and fall 2018 Financial System Surveys Fairly confident_Spring 2019 Fairly confident_Average of spring and fall 2018 Financial System Surveys Not very confident_Spring 2019 Not very confident_Average of spring and fall 2018 Financial System Surveys Not confident at all_Spring 2019 Not confident at all_Average of spring and fall 2018 Financial System Surveys Cyber incident_Spring 2019 Cyber incident_Fall 2018 Cyber incident_Spring 2018 Deterioration in the global economic outlook_Spring 2019 Deterioration in the global economic outlook_Fall 2018 Deterioration in the global economic outlook_Spring 2018 Drops in residential/commercial property prices_Spring 2019 Drops in residential/commercial property prices_Fall 2018 Drops in residential/commercial property prices_Spring 2018 Increases in defaults in the household/corporate sector_Spring 2019 Increases in defaults in the household/corporate sector_Fall 2018 Increases in defaults in the household/corporate sector_Spring 2018 Disruption of international trade or trade disputes_Spring 2019 Disruption of international trade or trade disputes_Fall 2018 Disruption of international trade or trade disputes_Spring 2018 Disruptions in information technology infrastructures_Spring 2019 Disruptions in information technology infrastructures_Fall 2018 Disruptions in information technology infrastructures_Spring 2018 Geopolitical risk_Spring 2019 Geopolitical risk_Fall 2018 Geopolitical risk_Spring 2018 Cyber incident_Spring 2019 Cyber incident_Fall 2018 Cyber incident_Spring 2018 Deterioration in the global economic outlook_Spring 2019 Deterioration in the global economic outlook_Fall 2018 Deterioration in the global economic outlook_Spring 2018 Reduction in market liquidity_Spring 2019 Reduction in market liquidity_Fall 2018 Reduction in market liquidity_Spring 2018 Drops in equity or bond prices_Spring 2019 Drops in equity or bond prices_Fall 2018 Drops in equity or bond prices_Spring 2018 Loss of confidence in regulation/impact of regulation_Spring 2019 Loss of confidence in regulation/impact of regulation_Fall 2018 Loss of confidence in regulation/impact of regulation_Spring 2018 Terrorism, fraud, natural disaster or climate change_Spring 2019 Terrorism, fraud, natural disaster or climate change_Fall 2018 Terrorism, fraud, natural disaster or climate change_Spring 2018 Disruption of web presence_Percentage of respondents who selected the highest level of concern* Disruption of web presence_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** Corruption of internal software or network_Percentage of respondents who selected the highest level of concern* Corruption of internal software or network_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** Transfer of control or undetected surveillance_Percentage of respondents who selected the highest level of concern* Transfer of control or undetected surveillance_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** Public release of confidential information_Percentage of respondents who selected the highest level of concern* Public release of confidential information_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** Loss of access to data_Percentage of respondents who selected the highest level of concern* Loss of access to data_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** Corruption of data_Percentage of respondents who selected the highest level of concern* Corruption of data_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** Data theft_Percentage of respondents who selected the highest level of concern* Data theft_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given type of incident** A firm connected to them through a financial market infrastructure_Percentage of respondents who selected the highest level of concern* A firm connected to them through a financial market infrastructure_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given source of incident** A financial market infrastructure (trading, clearing, settlement or payment)_Percentage of respondents who selected the highest level of concern* A financial market infrastructure (trading, clearing, settlement or payment)_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given source of incident** A service provider (e.g., cloud services, information technology services, bank or other financial services, utilities)_Percentage of respondents who selected the highest level of concern* A service provider (e.g., cloud services, information technology services, bank or other financial services, utilities)_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given source of incident** A client_Percentage of respondents who selected the highest level of concern* A client_Percentage of respondents that are planning to dedicate the most resources to protecting or mitigating a given source of incident** Machine learning/artificial intelligence_Spring 2019 Machine learning/artificial intelligence_Fall 2018 Machine learning/artificial intelligence_Spring 2018 Big data_Spring 2019 Big data_Fall 2018 Big data_Spring 2018 Digitalization and automation_Spring 2019 Digitalization and automation_Fall 2018 Digitalization and automation_Spring 2018 Open banking_Spring 2019 Open banking_Fall 2018 Open banking_Spring 2018 Counterparty collateralization_Spring 2019 Counterparty collateralization_Fall 2018 Counterparty collateralization_Spring 2018 Robo-advisors_Spring 2019 Robo-advisors_Fall 2018 Robo-advisors_Spring 2018 31.2518.759.3835.4812.5043.7525.0028.1225.0059.3812.5037.5018.750.000.009.385.889.0918.3713.736.0618.373.929.0924.4953.1927.6618.5616.132.130.0019.352.1312.3725.8110.649.2832.2621.5749.4841.9474.4768.0467.7412.5015.6271.8865.6215.6243.7543.2437.5046.3660.0052.5062.730.000.007.055.4139.9640.5448.2425.264.7510.813.120.0046.1737.8445.9262.164.780.000.006.3230.3030.6133.3321.2133.6749.0239.3942.8630.0030.0010.910.005.0010.9118.957.5021.8228.4220.0027.2730.0020.0038.18