https://www.sciencedirect.com/
Those of us who for years have maintained that this happens have been looked upon as "strange". 
Well, here's empirical evidence... as incredible as this may seem, it's the 1st scientific study of the issue. Keep in mind - we're not talking about a Central Bank here; rather, it's individual private banks that do this.
At least read the Abstract at the link above... it's short.
Wouldn't you love to collect interest payments on something you created out of "thin air"? 
This is one reason why banks should be publicly owned - public utilities - not private institutions... better accountability if publicly owned.
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The other reason why banks should be public utilities is as follows.
Technically and legally, when you make a bank "deposit" into your "account", what you're really doing is loaning the bank some of your money. The bank takes on a "debt obligation", and the money deposited essentially becomes theirs. The bank owes you money, but not that specific money.
https://www.youtube.com/watch?v=EC0G7pY4wRE
Plus, thanks to a policy of the G20 Financial Stability Board, thirty mega banks can convert the loans made to them by "depositors" into equity shares in the bank in the case of a financial crisis. That's true even if the bank is failing during a crisis.
In the USA, some people think - so what? Who cares? Our money in banks is protected by FDIC funds, right? Yes, but here's the catch: the FDIC fund total varies, but is in the billions (much less than one trillion); the total amount of "deposits" in U.S. banks also varies, but usually is close to $15 trillion. Do the math.
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Banks, especially mega banks, are a big cause of gross inequality in this country. We need public banks, and a banking model similar to the one in Germany... an emphasis on small, local banks. Germany probably has the best banking system in the world, and the USA most likely has the worst.
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Not only my opinion. Be Well
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