CIH Bank is popular with Morocco's younger customers for its digital banking. Statements are Arabic-French with MAD amounts and French labels. Extract client income to Excel in seconds.
Convert your CIH Bank statementCIH Bank, founded in 1920 as Crédit Immobilier et Hôtelier, is now a full-service retail bank with a notably young customer base attracted by competitive digital banking. Many of those customers freelance — design, development, consulting — receiving client payments by transfer alongside personal spend. Statements are bilingual Arabic-French (not Arabic-English), with French column labels and MAD amounts; the RIB, not an IBAN, identifies the account.
Morocco's tax authority, the DGI, expects an annual IR return, and income tax is progressive 0–38%. You want gross revenue by source, not the net after any FX conversion. A converted CIH statement lets you isolate every incoming 'Virement' from a client, keep the channel tag ('App', 'Web', 'GAB') and reference, and separate genuine client income from family transfers and refunds.
CIH issues a bilingual Arabic-French PDF. Columns are in French: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). The header carries the RIB. Strong digital adoption means most transactions are tagged 'Virement Web', 'Paiement App', or 'Retrait GAB'. Incoming client payments appear as 'Virement' credits with a sender reference.
'Virement' is the generic French label for a bank transfer — an incoming 'Virement' from a client is taxable income, but a family transfer usually is not, and the statement does not tell them apart on its own. Kashfbank keeps the full bilingual narration and the channel tag on every row so you can sort genuine client payments from everything else, reading both the French and Arabic text natively.
You want every incoming client 'Virement' isolated from personal spend and family transfers, with the sender reference preserved so each deposit matches an invoice.
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 the period from CIH Mobile
Open CIH Mobile or the web portal and request the period you need — usually 12 months for an income record or a tax return. 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 in the header info and the transaction narration in whichever language the bank used.
Filter to incoming client payments
Sort by Category. Keep incoming 'Virement' credits with a sender reference. Family transfers and 'Remboursement' debits are not client income — drop them from the income view.
Export and match to invoices
Download as Excel or CSV. Each incoming row keeps its sender reference and channel tag so you can match every client payment to the invoice it settled before your IR return.
Common challenges
Does Kashfbank read CIH's Arabic-French statement correctly?
Yes. CIH statements are bilingual Arabic-French (not English) with French column labels and Arabic narration where the customer set that preference. Kashfbank reads both natively and keeps the full bilingual narration on every row, with the sender reference intact for invoice matching.
How do I tell a client payment from a family transfer? Both show as 'Virement'.
'Virement' is the generic French label for any bank transfer. The statement does not classify the purpose. Kashfbank keeps the sender reference and full narration on each row so you can identify which 'Virement' credits are client payments versus family transfers, then categorise them for your IR return.
Some of my clients are Moroccan diaspora paying from abroad. How does that appear?
Incoming transfers from abroad appear as 'Virement' credits with a sender reference and may carry a correspondent bank code. Kashfbank preserves the original detail so you can identify foreign-source client income and apply the correct treatment with your tax advisor.
CIH uses a RIB, not an IBAN. Will the export handle it?
Yes. The RIB is Morocco's 24-digit account identifier shown in the statement header. Kashfbank preserves it as the account identifier and does not misread it as an IBAN, so payment references stay correct in your records.
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.
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