Binance is the largest holder of Bitcoin, does that make them a sort of ... bank?

Title explains it better. I was browsing different currencies today, and stumbled upon this link: https://clankapp.com/bitcoin/richlist. Binance now owns 1.4% of the total circulating supply of BitCoin. Right now, it feels like they are emerging as a sort of bank: they offer loans, credit cards, exchanges, etc. All with a tax they put on every exchange and every operation.

So how much do they differ from a traditional bank? While I'm all for decentralization, it feels like the largest exchanges will sooner or later become just your regular bank, up for market manipulation and what not. Curious to see the views of this community, as well as some counter-arguments.