That's if it was stolen from you directly.

If it's stolen from a bank, it's their obligation to recuperate you.

FWIW, most countries have a type of insurance if a legally operating bank goes under, at least some of your savings are protected (eg. in Serbia that's up to 50kEUR).

While I can't speak for other places, in the UK, if you haven't been careless and report quickly enough, your refund is not dependent on anyone being caught.