CIH needs 3–6 months of statements. Salary domiciliation entitles civil servants to preferential rates. BAM caps debt service at 40% of net income. Convert to Excel in seconds.
Convert your CIH Bank statementCIH Bank is a primary lender for Moroccan civil servants under employer payroll agreements — the 'Convention de Domiciliation de Salaire'. The statement must show salary domiciliation (the employer's direct credit) which entitles the customer to preferential loan rates. CIH requires 3–6 months of statements for a retail loan, and Bank Al-Maghrib (BAM) caps total debt service at 40% of net monthly income.
Converting your PDF to Excel before you submit lets you see what the loan officer sees: whether the 'Salaire' credit lands from a recognised employer payroll system each month, and whether your existing 'Remboursement' debits keep total debt service under the 40% BAM cap. CIH's historical strength in housing finance means many customers already carry a 'Remboursement Crédit Immobilier' that reduces available capacity.
CIH issues a bilingual Arabic-French PDF. Columns are in French: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). The header carries the RIB. The 'Salaire' credit is the primary income evidence; for civil servants it arrives from a Ministry payroll system, which CIH treats as domiciled salary for preferential rates.
'Remboursement' debits show existing loan obligations, and 'Remboursement Crédit Immobilier' shows an existing housing loan. The lender sums these against the 40% BAM debt-service cap. Kashfbank keeps the full bilingual narration and channel tags on every row so every obligation is captured and the salary domiciliation is verifiable.
You want the salary domiciliation, every 'Remboursement' obligation, and the monthly closing balance — so you can check the 40% BAM cap before the bank does.
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
Pull 3–6 months from CIH Mobile
Open CIH Mobile or the web portal and request the last 3–6 months — match the period the loan officer asked for. The bilingual French-Arabic PDF is read natively by Kashfbank.
Upload and confirm MAD formatting
Drop the PDF into Kashfbank. MAD amounts use two decimal places. The export keeps the French column labels and the bilingual narration so balance figures reconcile exactly.
Check salary domiciliation and the 40% cap
Sort by Category. Confirm the 'Salaire' credit lands from a recognised payroll system each month. Sum the 'Remboursement' debits against your net income to check you are under the BAM 40% debt-service cap before the bank does.
Export and submit alongside the PDF
Download as Excel or CSV for your own review. The lender wants the original CIH PDF — use the export to verify the salary domiciliation and total obligations before submission.
Common challenges
How many months does CIH require for a loan?
CIH requires 3–6 months of statements for a retail loan. The 'Salaire' credit is the primary income evidence, and salary domiciliation with CIH under a 'Convention de Domiciliation de Salaire' entitles civil servants to preferential rates. Kashfbank can convert several months in one session for review.
What is the BAM 40% debt-service cap?
Bank Al-Maghrib caps total debt service at 40% of net monthly income. The lender sums your existing 'Remboursement' debits against that limit. Kashfbank tags every 'Remboursement' so you can total your existing obligations and check the cap before applying.
Why does salary domiciliation matter for a CIH loan?
CIH is a primary lender for civil servants under employer payroll agreements. A domiciled salary — the employer crediting your CIH account directly each month — entitles you to preferential loan rates. The export lets you confirm the 'Salaire' credit lands consistently from a recognised payroll system.
Should I send the lender the Excel file or the PDF?
The lender wants the original CIH PDF. Use the Kashfbank export for your own review — to verify salary domiciliation, total existing 'Remboursement' obligations, and check the 40% BAM cap before submission.
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.
Mortgage Applications
Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.
Statement language: Arabic / English