CIH Bank
“Can a historically real-estate-focused Moroccan state-backed bank successfully digitize and compete as a full-service universal bank for Moroccan retail and corporate clients?”
Founded1920
HQCasablanca, Morocco
IndustryBank / National
The story
Founded in 1920 as a narrow real estate and hospitality lender, CIH Bank has progressively transformed into a full-service universal bank under the stewardship of CDG, Morocco's sovereign wealth vehicle. The bank expanded retail banking, corporate banking, and digital services in the 2010s. Its most recent strategic thrust is digital banking (CIH Mobile, online account opening) and fintech partnerships, positioning it as a digitally-oriented commercial bank in the Moroccan market.
Last 12 months
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Product timeline
1920
Founded as Caisse de Prêts Immobiliers du Maroc, focused on real estate and hospitality financing.· banking
1967
Renamed Crédit Immobilier et Hôtelier (CIH).· pivot
2000
Underwent restructuring and recapitalization under CDG (Caisse de Dépôt et de Gestion) control.· banking
2010
Expanded into universal banking, offering retail and corporate financial services beyond real estate.· pivot
2020
Launched CIH Online digital banking platform and online account opening (e-cihbank.ma) with selfie/signature onboarding.· banking
Regulated entities
1
regulatory licence held by CIH Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in CIH Bank’s embedded-finance stack
Card network
Lending
in the full report
Insurance
in the full report
Accounting gap: none
7 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.