Agrak Amezwaru n Bank n CIH deg Lmeɣrib
Bank n CIH, i yellan zik d "Crédit Immobilier et Hôtelier", d yiwet n tbankit i d-yennulfa deg useggas n 1920. Azal amezwaru n tnezzart-a yella d usfugel n tudert d wesgens deg Lmeɣrib. Deg yiseggasen, Bank n CIH temɣur, temdel iman-nnes, tuɣal d yiwet n tbankit iqedducen i wakk imukan, seg yiman i tnezzarin timeqranin. Tura, tzemmar n Bank n CIH tella deg Suq n Yizemmar n Anfa, d anamek n tnezzart tameqrant i yellan teqqen i Bank Aɣelnaw n Lmeɣrib s Massira Capital Management, i d-yekkan seg CDG.
Amezruy-nnes amezwaru yella d "Caisse de prêts immobiliers du Maroc" (CPIM), syin deg useggas n 1967 tuɣal d CIH Bank asmi i tesnaneb leqdic-nnes i usfugel n wesgens. Tamkerḍit n tnezzart-a tella teqqen i CDG s Massira Capital Management (55.66%), Holmarcom Group (11.73%), CDG srid (6.69%), RCAR (5.21%), ma d 16.37% n yizemmar nniḍen tella deg ufus n lɣaci. Amezwaɣ n leqdic n Bank n CIH yella d asfugel n yiman, n yinemnaren iẓerfanen, n tnezzarin timeẓyanin d timeqranin, n yemseggaden n tudert d yinemnaren n wesgens. Amezwaru n tnezzart d Lotfi Sekkat, i yellan daɣen d amezwaɣ n uɣerbaz n tnezzart.
Timɣawsiwin n Yimazfalen d Yisefka-nnes
Bank n CIH tessefruged aṭas n tiɣawsiwin n yimazfalen i wakk imukan. Am yimazfalen i yiman am yimazfalen i tnezzart, s yisem n usinan, temdel Bank n CIH ad tbeddel amek i tqedduc tbankit deg Lmeɣrib. Deg yimazfalen-nnes, ad naf:
Amazzal i Yiman:
- Amazzal n Uḥric: Amazzal i yiman iqedducen i yiwliyen, i yimdanen i yettwahelen.
- Amazzal s Userɣu n Texxamin: Amazzal n tudert i yezmer ad yili alamma d 20 iseggasen, yezmer ad yili s uɣbalu n "Intilak" i yellan d isefka iṛeglen.
- Amazzal s Udder n Userɣu: Amazzal i yimdanen i yettwahelen i yezmer ad yili s udder n umezgan.
Amazzal i Tnezzart (i Tinezzarin Timeẓyanin d Timeqranin):
- Asfugel n Ussegdeg: I yinemnaren n tnezzart, ad naf:
- Istiqrar Pro: Amazzal alamma d 1.5 n yimelyan n yidrimen (MAD) i ussegdeg.
- Tajhiz Pro: Amazzal i yisekkiren.
- Fonds de Commerce Pro: Amazzal i yigerdan n tnezzart.
- Asfugel n Usileɣ:
- Tamwil Al Mihani: Amazzal s 1% deg useggas, s uɣerbaz gar 500 d 1500 n yidrimen (MAD).
- Avance Pro: Amazzal n yidrimen srid.
- Asneḍ n yigerdan n tnezzart.
- Asfugel Aɣezfan d Uswagan:
- "Green Dev": Deg umesla d EBRD, amazzal i ussegdeg n usenfel d yisekkiren iqedducen s tɣawsa n uɣezfan n ddunit, s yizalan yettwaṣfaṛen.
Azal n Wul d Yiɣerban:
- Imazfalen i yiman: Azal n wul yettili gar 6% d 9% deg useggas (APR).
- Imazfalen i tnezzart: Azal n wul yettili gar 0.5% d 0.7% deg useggas, i yimazfalen n ussegdeg.
- Iɣerban n Usali: Yettili d 1% n uzal n umazzal, s uɣerbaz n 500 n yidrimen.
- Iɣerban n Uɣeḍṣa: 1% deg waggur i yidrimen i yeqqimen.
- Iɣerban n Uɣbalu n Uzeggen: Azal n wul n waggur.
Aɣbalu n Usali d Timskikin n Usnirem Asinan
Bank n CIH tessenfuɣed aɣbalu n usali i yimazfalen s yisuran yemgaraden. Tzemmar ad tesaliḍ s uɣbalu n ufus "CIH MOBILE" (iOS/Android), s usnirem n tbankit, neɣ s yimukan n tbankit (427 n yimukan) d yisekkiren n yidrimen (1072). Aɣbalu n "CIH MOBILE" yettwazra s 4.3 n yitran deg Google Play d App Store, s ugar n yimelyan n yisaliyen.
Timskikin n Usnirem Asinan:
- Asali Asinan: S Backbase, yezmer umunḍa ad yali srid s usnirem n uẓeṭṭa. Yettusemma "e-KYC" (taneggit tasinan n umunḍa) s uskan n tkarti n tneggit, asnegges n udem, d uzmul asinan.
- Tiferdisin n Uɣbalu n Ufus:
- Asnirem n yigerdan n tbankit.
- Abeddel n yidrimen.
- Aɣerbaz n tnezzart.
- Asimul n yimazfalen.
- Aḥkam deg tkarti n yidrimen.
- Amesla d uselmad.
- Afran n yimukan n tbankit.
Aɣbalu n "CIH MOBILE" yella d ameswaɣ deg usinan n tbankit deg Lmeɣrib, s ugar n snat n yimelyan n yimunḍan n ufus d snat n yimelyan n yimesliyen isinanen deg yal ass. Anecta yella d anamek n wamek i tqeddu Bank n CIH s usinan i wakken ad teshel tiɣawsiwin i yimunḍan-nnes.
Addad Aɣerfan d Uḍris n Yimunḍan
Bank n CIH tella teḍḍel i ussileɣ n Bank Aɣelnaw n Lmeɣrib (Bank Al-Maghrib), i d-yettḥakkan iman-nnes. Daɣen, tella teḍḍel i ussileɣ n "Moroccan Capital Market Authority" i yisefka n tbankit d ussifeḍ. Anecta d anamek n wamek i tqeddu Bank n CIH s uẓeṭṭa n ussileɣ, iwakken ad tḍḍel i tɣawsiwin n Basel III, AML/CFT, d uẓeṭṭa n tfḍa n umunḍa.
Amḍiq deg Uswaq d Yimnaɣen:
Bank n CIH tella deg 5 n tbankin timeqranin deg Lmeɣrib s tamkerḍit n umazzal (s wazal n 9% n umur deg uswaq). Imnaɣen-nnes imeqranen d Attijariwafa Bank, Banque Populaire, BMCE, d Banque Centrale Populaire. Bank n CIH temgarad s wamek i tqedduc s usinan s imezwura, s yisefka iṛeglen i yinemnaren iẓerfanen d yimazfalen i tnezzart timeẓyanin d timeqranin, akked usfugel aɣezfan (Green Dev).
Aḍris n Yimunḍan:
Isenfaren n yimunḍan i uɣbalu n ufus n CIH MOBILE ulin s 4.3 n yitran, maca kra n yimunḍan ssawalen ɣef yimxalafen deg usali. Amawal n leqdic deg yimukan n tbankit yettwazra s 4 n yitran. Imxalafen imezwura i d-yettilin d yixṣaren n uɣbalu n ufus neɣ asali yettɣaṭṭaṣen deg wakud n yimeḍqan. Maca, Bank n CIH tsellmed deg wazal n yiɣerban deg useggas n 2021 s usinan.
Azzayez Aẓarfan:
Deg useggas n 2024, rebḥ aẓidan n Bank n CIH yella d 966 n yimelyan n yidrimen (MAD), s usimɣur n 24.3%. Tuɣalin n tnezzart n tbankit tuweḍ 4.74 n yimelyaren n yidrimen (MAD), s usimɣur n 6.1%. Tamkerḍit n umazzal tuweḍ 101.2 n yimelyaren n yidrimen (MAD), s usimɣur n 11.5%. Anecta d anamek n tnezzart tameqrant d uẓeṭṭa n Bank n CIH deg uswaq n Lmeɣrib.
Tanseḥt i Yimazfalen Iɣersanen
Bank n CIH d anesfar ameẓyan i yimdanen d tnezzarin i yebɣan amazzal deg Lmeɣrib. S wamek i tqedduc s usinan d tiɣawsiwin-nnes yemgaraden, tbeddel Bank n CIH aṭas deg tbankit deg tmurt. Ma yella tellaḍ tebɣiḍ ad tesaliḍ amazzal seg Bank n CIH, gzem fell-ak ad teẓreḍ isefka-a iwakken ad tekkes aɣbalu amezweru:
- Faqh deg Yiɣerban d Wazal n Wul: Qabel ad tesaliḍ amazzal, ẓer mliḥ azal n wul (APR) d yiɣerban n usali, n uɣeḍṣa, d uɣbalu n uzeggen. Bank n CIH tessefruged aḍris n yiɣerban deg usinan, dɣa zemmar ad ten-tafiḍ s ushel.
- Ẓer Amek i Tḥemmel Usali: Bank n CIH tzemmar ad tḥemmel isaliyen s usinan (e-KYC) neɣ s yimukan n tbankit. Gzem fell-ak ad teẓreḍ amek ara tqedduḍ deg yal aɣbalu.
- Sseqdec Aɣbalu n Ufus: Aɣbalu n "CIH MOBILE" d aḥerfi i usimul n yimazfalen, asnirem n yigerdan n tbankit, d umesla d uselmad. Sseqdec-it mliḥ iwakken ad teẓreḍ akk isefka i geḥwaǧen.
- Qabel Amawal n Yimazfalen: Gzem fell-ak ad teẓreḍ amek ara tqabḍ amazzal-ik deg waguren neɣ iseggasen i d-iteddun. Bank n CIH tḥemmel isfugel n uɣbalu s uferdis n tbankit neɣ s umesbaɣur n ufus.
- Mgarad d Tbankin Nniḍen: Ɣas Bank n CIH d yiwet seg tbankin timeqranin deg Lmeɣrib, d ayen yelhan ad tẓerḍ isefka n yimazfalen n tbankin nniḍen iwakken ad tafeḍ aḥerfi i kečč.
S yisefka-a, ad tzemreḍ ad tesaliḍ amazzal s uẓeṭṭa d ushel, ad tẓerḍ mliḥ akk isefka i geḥwaǧen, iwakken ad teḥfeḍ iman-ik d yidrimen-ik.
