Wallets/cih-bank
CIH Bank (Crédit Immobilier et Hôtelier) / CIH MOBILE
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Overview
CIH Bank (Crédit Immobilier et Hôtelier) is Moroccan housing + hotel banking specialist [1, 2, ma-cro]. 2025-2026 baseline: CIH MOBILE 1M+ Moroccan + Moroccan diaspora users (managing accounts from abroad); v5.57 May 2026 CIH MOBILE update distinctive new space for simulation + online real estate credit requests with personalized tracking + support; comprehensive Moroccan banking services: bill payments + transfers + card management + loan tracking + telecom top-ups; CIH MOBILE PRO distinctive Moroccan SME banking app.
Distinctive CIH Bank positioning:
- Moroccan housing + hotel banking specialist (CIH = Crédit Immobilier et Hôtelier = Real Estate + Hotel Credit)
- CIH MOBILE 1M+ Moroccan + Moroccan diaspora users managing accounts from abroad
- v5.57 May 2026 CIH MOBILE update distinctive new space for simulation + online real estate credit requests with personalized tracking + support
- Comprehensive Moroccan banking services: bill payments + transfers + card management + loan tracking + telecom top-ups
- CIH MOBILE PRO distinctive Moroccan SME banking app
- Apr 18 1928 Caisse de Prêts Immobiliers du Maroc (CPIM) founding + 1968 CIH founding post-Moroccan housing + hotel financing specialization → distinctive Moroccan housing + hotel banking heritage
- Apr 1 2004 Massira Capital Management majority acquisition + 2009 CDG (Caisse de Dépôt et de Gestion Moroccan state) majority shareholder consolidation
History
Apr 18 1928 — Caisse de Prêts Immobiliers du Maroc (CPIM) founded in Morocco → distinctive Moroccan real estate financing heritage (CIH Bank ultimate predecessor).
1968 — CIH founded as Crédit Immobilier et Hôtelier post-Moroccan housing + hotel financing specialization → distinctive Moroccan housing + hotel banking heritage.
1995 — CIH IPO on Casablanca Stock Exchange.
Apr 1 2004 — Massira Capital Management majority CIH acquisition post-Moroccan state divestiture restructuring.
2009 — CDG (Caisse de Dépôt et de Gestion Moroccan state) majority CIH shareholder consolidation.
2013 — CIH MOBILE mobile banking app launches.
May 2026 — v5.57 CIH MOBILE update distinctive new space for simulation + online real estate credit requests with personalized tracking + support [1].
2025 — CIH MOBILE 1M+ Moroccan + Moroccan diaspora users managing accounts from abroad [2, 3].
Ownership & operator
Operating entity: CIH Bank S.A. (Casablanca Stock Exchange: CIH).
Major shareholders: Caisse de Dépôt et de Gestion (CDG; Moroccan state) ~67% controlling + Moroccan institutional + Moroccan retail public float.
Regulator: BAM (Bank Al-Maghrib).
Technical integration
CIH MOBILE app (iOS + Android; 1M+ users including Moroccan diaspora) + CIH MOBILE PRO Moroccan SME banking app + CIH ONLINE internet banking + cihbank.ma online + CIH Bank cards (Visa + Mastercard) + CIH Bank Moroccan branch network; Morocco Instant + Moroccan ACH (SIMT) + Moroccan RTGS (SRBM); comprehensive Moroccan banking services: bill payments + transfers + card management + loan tracking + telecom top-ups + v5.57 May 2026 new simulation + online real estate credit requests with personalized tracking distinctive Moroccan real estate banking innovation.
Users & growth
2025-2026: CIH MOBILE 1M+ Moroccan + Moroccan diaspora users managing accounts from abroad; v5.57 May 2026 CIH MOBILE update.
Use cases
Moroccan retail + private + corporate + SME + housing + hotel + real estate + investment banking via CIH MOBILE + CIH MOBILE PRO + CIH ONLINE + cihbank.ma online + cards + branches; Morocco Instant + Moroccan ACH (SIMT) + Moroccan RTGS (SRBM); comprehensive Moroccan banking services: bill payments + transfers + card management + loan tracking + telecom top-ups + v5.57 May 2026 new simulation + online real estate credit requests with personalized tracking distinctive Moroccan real estate banking innovation.
Implementations & partners
Operator: CIH Bank S.A. (Casablanca Stock Exchange: CIH); Caisse de Dépôt et de Gestion (CDG; Moroccan state) ~67% controlling.
Major Moroccan banking competitors: [[attijariwafa-bank]] (Morocco's largest financial institution by assets + market share + Africa's #3 largest banking group + 12M+ customers + Jibi mobile wallet 2M users in Morocco + May 2026 "Simple." Moroccan neobank Super App + 25+ countries footprint) + Banque Centrale Populaire (BCP Morocco; Moroccan banking cooperative federation) + Bank of Africa Morocco (formerly BMCE; Morocco's 3rd largest bank by assets) + Société Générale Maroc (SocGen Moroccan subsidiary) + Crédit Agricole du Maroc (Moroccan agricultural cooperative bank) + Crédit du Maroc (post-2022 Holmarcom Group acquisition from Crédit Agricole France).
Regulator: BAM.
Fun facts
- Moroccan housing + hotel banking specialist (CIH = Crédit Immobilier et Hôtelier = Real Estate + Hotel Credit).
- CIH MOBILE 1M+ Moroccan + Moroccan diaspora users managing accounts from abroad.
- v5.57 May 2026 CIH MOBILE update distinctive new space for simulation + online real estate credit requests with personalized tracking + support.
- Comprehensive Moroccan banking services: bill payments + transfers + card management + loan tracking + telecom top-ups.
- CIH MOBILE PRO distinctive Moroccan SME banking app.
- Apr 18 1928 CPIM founding + 1968 CIH founding post-Moroccan housing + hotel financing specialization → distinctive Moroccan housing + hotel banking heritage.
- Caisse de Dépôt et de Gestion (CDG; Moroccan state) ~67% controlling.
Comparison
| Feature | CIH Bank / CIH MOBILE | [[attijariwafa-bank]] (Morocco's largest financial institution by assets + market share rival; Africa's #3 largest banking group + 12M+ customers + Jibi 2M + May 2026 Simple. neobank) | Banque Centrale Populaire (BCP Morocco; Moroccan banking cooperative federation rival) | Bank of Africa Morocco (formerly BMCE; Morocco's 3rd largest bank by assets rival) | Société Générale Maroc (SocGen Moroccan subsidiary rival) |
|---|---|---|---|---|---|
| Operator | CIH Bank S.A. (Casablanca Stock Exchange: CIH; CDG ~67% controlling Moroccan state) | Attijariwafa bank S.A. (Casablanca Stock Exchange: ATW) | Banque Centrale Populaire (Casablanca Stock Exchange: BCP) | Bank of Africa S.A. (Casablanca Stock Exchange: BOA) | Société Générale Maroc S.A. (Casablanca Stock Exchange: SGM; Société Générale subsidiary) |
| Type | Moroccan housing + hotel banking specialist + CIH MOBILE 1M+ users including Moroccan diaspora + v5.57 May 2026 simulation + online real estate credit requests + CIH MOBILE PRO + CIH ONLINE + CDG Moroccan state ~67% controlling | Morocco's largest financial institution by assets + market share + Africa's #3 largest banking group + 12M+ customers worldwide + Jibi mobile wallet 2M users in Morocco + May 2026 "Simple." Moroccan neobank Super App + 25+ countries footprint | Moroccan banking cooperative federation + BCP Net banking app | Morocco's 3rd largest bank by assets + BMCE Direct + MyBOA + 18-country pan-African footprint | Société Générale Moroccan subsidiary + SG Connect app |
| Country | MA | MA + 25+ countries | MA + multiple countries | MA + 18+ countries African | MA |
| Distinctive | Apr 18 1928 CPIM founding (Moroccan real estate financing heritage); 1968 CIH founding (Moroccan housing + hotel banking heritage); 1995 Casablanca Stock Exchange IPO; Apr 1 2004 Massira Capital Management majority acquisition; 2009 CDG Moroccan state ~67% controlling consolidation; 2013 CIH MOBILE launch; v5.57 May 2026 simulation + online real estate credit requests update | 1911 Wafabank Casablanca founding heritage; 1933 BCM founding; 2003 BCM + Wafabank merger; Apr 2025 Attijariwafa Ventures fintech VC arm; May 2026 "Simple." Moroccan neobank Super App launch | 1926 Banque Centrale Populaire Moroccan banking cooperative founding | 1959 BMCE founding; 2011 BMCE rebranded Bank of Africa Morocco | 1953 Société Générale Maroc founding |
Status
Active, Moroccan housing + hotel banking specialist [1, 2, 3]:
- CIH Bank S.A. (Casablanca Stock Exchange: CIH; CDG ~67% controlling Moroccan state) since Apr 18 1928 CPIM founding + 1968 CIH founding + 1995 Casablanca Stock Exchange IPO + Apr 1 2004 Massira Capital Management majority acquisition + 2009 CDG majority shareholder consolidation + 2013 CIH MOBILE launch.
- CIH MOBILE 1M+ Moroccan + Moroccan diaspora users + v5.57 May 2026 CIH MOBILE update (simulation + online real estate credit requests with personalized tracking).
- CIH MOBILE PRO Moroccan SME banking app + CIH ONLINE internet banking.
- BAM regulated.
Sources
- 1 CIH MOBILE — CIH BANK
- 2 CIH ONLINE — CIH BANK
- 3 CIH MOBILE — Your Moroccan Bank, Anytime, Anywhere
- ma-cro In-corpus:
reports/countries/MA-morocco.md
Source
Biography extracted from cih-bank.md. See matrix.md for standards-support matrix if present.