[kypro]

I'm not an expert in this area, but my understanding is that it doesn't really matter if it's cash, bonds or stocks – the bank is just a custodian of your assets and you always have the primary claim to those assets.

That said, the bank can still lend out your assets within certain regulatory guidelines, but in theory the regulation is in place so that they always have enough liquidity should you choose to withdraw it. Issues only really come into play when large numbers of consumers try to withdraw in rapid succession and a bank doesn't have adequate liquidity available. Ie, a "bank run".

Your point on stocks is interesting though because it's quite possible your bank actually does loan out your stocks to short sellers and makes some yields some profit in doing so. My understanding is that there are scenarios where you can actually loose your stocks in the event your broker goes bankrupt, although in such a case your government should insure you up to a certain amount (like with cash deposits).

But in a worst case scenario you can lose your stocks and banks can definitely lend the assets you hold with them.