# CIH Bank (Crédit Immobilier et Hôtelier) / CIH MOBILE

> Source: https://docs.barcoder.ai/docs/wallets/cih-bank
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [CIH Bank — official](https://www.cihbank.ma/)

## Overview

**CIH Bank (Crédit Immobilier et Hôtelier)** is **Moroccan housing + hotel banking specialist** <sup>[1][1], [2][2], [Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>. **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 <sup>[1][1]</sup>.

**2025 — CIH MOBILE 1M+ Moroccan + Moroccan diaspora users** managing accounts from abroad <sup>[2][2], [3][3]</sup>.

## 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](https://docs.barcoder.ai/docs/wallets/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](https://docs.barcoder.ai/docs/wallets/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** <sup>[1][1], [2][2], [3][3]</sup>:
- **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]: https://www.cihbank.ma/en/MDM/our-innovations/cih-mobile "CIH MOBILE — CIH BANK"
[2]: https://www.cihbank.ma/en/individuals/our-innovations/cih-online "CIH ONLINE — CIH BANK"
[3]: https://mwm.ai/apps/cih-mobile/664637221 "CIH MOBILE — Your Moroccan Bank, Anytime, Anywhere"
[ma-cro]: https://docs.barcoder.ai/docs/payments/MA

- [1] [CIH MOBILE — CIH BANK][1]
- [2] [CIH ONLINE — CIH BANK][2]
- [3] [CIH MOBILE — Your Moroccan Bank, Anytime, Anywhere][3]
- <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup> In-corpus: `reports/countries/MA-morocco.md`

## Source

Biography extracted from [cih-bank.md](https://docs.barcoder.ai/source/wallets/cih-bank). See `matrix.md` for standards-support matrix if present.