I still don’t agree with you or @pzoot. This is all semantics. They may not create notes and coins, what you define as money, but they do credit our accounts with credit/money that didn’t exist before and that credit can be withdrawn as notes and coins that can buy real goods and services. It’s the same thing in any real sense.
I’ve read the new Basel III document before and while I don’t understand all of it, it appears that it doesn’t support what you have said about banks not creating money/credit/whatever out of nothing. If anything it confirms it, as it does state the % of reserves for lending and other conditions, which are as low as 3% in some cases (even if it is high quality collateral). If you only have 3% reserves of the 100% lending, where does the other 70% come from?
Besides, BIS is wholly owned by other privately owned central banks. I wouldn’t trust any guidance they’ve written to be in anyone’s interest but their own.
Like I said, I’m not dogmatic, but neither you nor @pzoot have provided anything that counters the many books by leading academics and economists over the last ten years that explain in detail how money/credit/whatever is created by banks out of nothing.
Anyway… that Bitcoin eh 
