What makes a bank a bank nowadays is money lending rather than deposits and transfers. Some say money lending itself creates value, but I don't agree. Oversimpl

What makes a bank a bank nowadays is money lending rather than deposits and transfers. Some say money lending itself creates value, but I don't agree. Oversimplified, it can be said that because money is nothing, then money lending is even more so. But in any case I was talking about the "rotten" banking system with corrupt lending practices rather than about banking in general.