CIH statements are Arabic-French with French column labels and MAD amounts — not the Arabic-English most tools expect. If you run a practice in Morocco, bulk-convert your folder in one session.
Convert client statementsMoroccan accounting practices (experts-comptables and comptables agréés) handle SMEs, civil-servant individuals, property owners, and corporates filing under the DGI. CIH Bank — Crédit Immobilier et Hôtelier, founded in 1920 — appears constantly in client folders: as the housing-finance bank historically, and now as a full-service retail bank strong with civil servants through employer payroll agreements. Its statements need handling that an Arabic-English-only workflow gets wrong.
CIH statements are bilingual Arabic-French (not Arabic-English), with French column labels (Date, Libellé, Débit, Crédit, Solde), MAD amounts, and a RIB rather than an IBAN. Morocco's tax framework runs through Bank Al-Maghrib and the DGI: 20% base corporate tax, progressive IR 0–38%, and 20% TVA. Re-keying these statements by hand, French labels and all, is the time sink. Kashfbank does the bridge in under a minute per client.
Kashfbank exports a standard CSV: Date, Description (full bilingual Arabic-French narration as printed), Débit, Crédit, Solde mapped to Debit/Credit/Balance, Category, Currency (MAD). The French column labels are recognised and mapped; the RIB is preserved as the account identifier and not misread as an IBAN. The CSV imports into the tools Moroccan practices use, with at most a small date-format adjustment on first import.
Channel tags ('Virement Web', 'Paiement App', 'Retrait GAB') are preserved in the Description column — useful for separating digital from branch activity in the audit trail. Long 'Remboursement Crédit Immobilier' narrations embed a loan reference number that a generic parser can truncate; Kashfbank reconstructs the full string so the reference survives for reconciliation.
Across a client folder the same rules apply: 'Salaire' is income, 'Remboursement' is a financing obligation, 'Intérêts' is interest income subject to 30% withholding at source, and 'Paiement TPE' at registered merchants may carry TVA. Kashfbank tags each consistently so your team applies the DGI treatment without re-deciding row by row, regardless of whether the narration is in French or Arabic.
Bilingual Arabic-French PDF. Column structure similar to Attijariwafa: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). RIB shown in header. Strong digital channel adoption means most transactions tagged with 'App', 'Web', or 'GAB' channel identifiers. Housing loan instalments ('Remboursement Crédit Immobilier') are common recurring debits. CIH was historically the housing bank before full-service expansion; legacy mortgage customers still dominate older statement cohorts.
| Label | Meaning |
|---|---|
| Remboursement Crédit Immobilier | Housing loan instalment repayment |
| Virement Web | Online banking transfer via CIH web portal |
| Retrait GAB | ATM cash withdrawal |
| Salaire | Salary credit |
| Paiement App | Payment executed via CIH Mobile app |
Rules in Morocco differ — see our country guide
Collect client PDFs
Have each client export their CIH statement from CIH Mobile or the web portal. For corporate tax, annual. For monthly bookkeeping, monthly. For TVA, the filing frequency depends on turnover. For audit fieldwork, 12 months plus the year-end cut-off.
Bulk upload by client
Upload all of one client's PDFs in a session. Each file is converted independently and labelled with its filename. Multi-month merges happen in Excel after export — Kashfbank preserves the chronology.
Apply chart of accounts
Open each CSV and set the Category column to the client's chart (Produits, Charges, Salaires, Remboursement, Intérêts, TVA, Frais Bancaires). The bilingual narration and channel tags are preserved, so the mapping is mechanical. First client takes 20 minutes; subsequent months 5.
Import to bookkeeping or working papers
Push the categorised CSV into the practice's bookkeeping or audit tooling. The original CIH PDF stays in the client folder as the source document, since the DGI can audit for several years.
Common challenges
CIH statements are Arabic-French, not Arabic-English. Does Kashfbank handle that?
Yes. CIH issues a bilingual Arabic-French PDF with French column labels and Arabic narration where the customer set that preference. Kashfbank reads both natively, maps the French column labels to the standard export columns, and preserves the full bilingual narration on every row.
Does the export confuse the RIB with an IBAN?
No. The RIB is Morocco's 24-digit bank account identifier shown in the statement header. Kashfbank preserves it as the account identifier and does not misread it as an IBAN — important for matching payment references in the working papers.
Long 'Remboursement Crédit Immobilier' lines get truncated by other tools. How does Kashfbank handle them?
These narration strings are long and embed a loan reference number a generic parser can cut. Kashfbank reconstructs the full string into one row per transaction so the loan reference survives — needed for mortgage reconciliation and for tying the obligation to the right facility.
How is interest income treated for the DGI?
'Intérêts' credits on savings deposits are subject to 30% withholding tax in Morocco, deducted at source — the credited figure is net. Kashfbank tags these as interest income so your team can gross them up (divide by 0.70) for the client's annual IR return where full disclosure is required.
Freelancers
Extract, categorize, and export freelance income and expenses from PDF bank statements — ready for 1099, self-assessment, or ZATCA filings.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Statement language: Arabic / English