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How does it work ?

An investment issued and guaranteed by banks

CIH BANK allows you to optimize your cash flow with Certificate of Deposits. These securities have a fixed term and are issued at the issuer's discretion. They are tradable at any time and offer an attractive level of return.

Issuers

Banks

Subscribers

Individuals or legal entities, residents or non-residents

Yield

  • Certificates of Deposit with an initial term of one year or less must have a fixed return and may accrue precomputed interest.
  • Certificates of Deposit with an initial term of more than one year may have a fixed or variable return. The corresponding interest is payable annually on the anniversary date of the certificate.
  • The revision of the remuneration rate is done on the anniversary date of the certificate based on the average monthly rates of the Interbank Money Market as calculated and published by Bank Al-Maghrib.
  • Certificates of Deposit are issued to the bearer.

An investment issued and guaranteed by credit institutions

CIH BANK allows you to optimize your cash flow with financing companies' bonds. These securities have a fixed term and are issued at the issuer's discretion. They are tradable at any time and offer an attractive level of return.

Issuers

Financing companies

Subscribers

Individuals or legal entities, residents or non-residents

Yield

  • Fixed or variable.
  • The revision of the remuneration rate is done on the anniversary date of the certificate based on the average monthly rates of the Interbank Money Market as calculated and published by Bank Al-Maghrib.

An investment issued and guaranteed by companies

CIH BANK offers a secure investment solution, Treasury Bills (BT). These negotiable securities meet your financing needs for a specific period, with a return that depends on the investment duration and follows the laws of supply and demand in the over-the-counter market.

Issuers

Moroccan legal entities other than credit institutions (with a minimum paid-up capital of MAD 5,000,000, operating for at least 3 years)

Subscribers

Individuals or legal entities, residents or non-residents

Characteristics

  • Duration ranging from 10 days to 1 year.
  • Fixed remuneration freely determined at the time of subscription. They may accrue precomputed interest.
  • Issuing financing companies must register their securities with banks.
  • Financing companies' bonds are issued to the bearer.

Optimize your short-term financing in the money market

CIH BANK offers you a solution to invest your excess cash in the short term. The Repo, a contract in which one party (the seller) sells securities to another party (the buyer) and agrees to repurchase them at an agreed date and price.

Eligible Securities

  • Securities listed on the stock exchange;
  • Treasury Bills;
  • Negotiable debt securities;
  • Private instruments.

Characteristics

  • Only credit institutions can enter into repurchase agreements for private instruments.
  • Collective investment funds can enter into repurchase agreements only for Treasury Bills.
  • The repurchase agreement can only cover securities that are not subject to withholding tax on income during the entire term of the agreement.
  • Repurchase agreements can only be executed through a bank.

Temporarily acquire securities for refinancing

Securities lending allows you, for a fee, to generate additional revenue from dormant securities while retaining ownership of the lent securities.

Advantages

  • Institutional investors can generate extra income from dormant security portfolios.
  • Creation of new investment strategies for investors through short selling.

Authorized Persons

  • Legal entities subject to corporate tax;
  • Collective investment schemes in securities;
  • Venture capital investment companies.

Eligible Securities

  • Securities listed on the stock exchange;
  • Negotiable debt securities;
  • Securities issued by the Treasury.

Protect your financing from market uncertainties

Interest Rate Swaps allow you to hedge against unfavorable market movements. The coverage, with a maximum authorized duration of 2 years, must be related to commercial and financial operations.

Advantages

  • Protection against unfavorable interest rate movements.
  • Easy access to financing.
  • Interest rate swaps involve no exchange of capital, only interest rate differentials.
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