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Banking & Financial Services

How a Moroccan regional bank makes its investments auditable in 10 minutes

Mid-sized Moroccan bank (1,800 employees, 62 branches, 2 specialized subsidiaries), subject to Bank Al-Maghrib regulation and Basel III requirements. Annual CAPEX budget of 45M MAD focused on IT mode…

100% of files reconstructable in under 10 minutes for Bank Al-Maghrib
−50% monthly CAPEX reporting production workload
×3 reduction in monthly CODIR preparation time
0 CFO/CIO disagreement on CAPEX/OPEX qualification
Context

Mid-sized Moroccan bank (1,800 employees, 62 branches, 2 specialized subsidiaries), subject to Bank Al-Maghrib regulation and Basel III requirements. Annual CAPEX budget of 45M MAD focused on IT modernization (core banking, digital, cybersecurity), branch network renovation and regulatory compliance investments.

The challenges before CAPEXIA

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IT and physical managed separately IT investments (core banking, business applications) and physical investments (branches) were managed in two completely separate processes, with no consolidated view for the CFO.
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CAPEX/OPEX qualification conflicts CAPEX vs OPEX qualification of IT projects led to recurring disagreements between CIO and CFO, resolved case by case — with no formalized rule or decision traceability.
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Insufficient auditability In case of Bank Al-Maghrib inspection, reconstructing an investment decision trail took several days and remained incomplete. Approvals were made by email or in committee without formalized minutes.
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Investment plan without follow-up The annual investment plan presented to the board took 5 to 6 days of controller work. In-year monitoring was non-existent — variances were only detected at annual closing.
The CAPEXIA solution

CAPEXIA was configured with a 3-axis categorization: regulatory investments (Basel III, cybersecurity), strategic investments (digital, core banking) and operational investments (branches, equipment).

Each category has a distinct approval workflow and different required documentation level. The CAPEX/OPEX qualification rule was formalized in the request template — eliminating case-by-case disagreements. The annual board report is generated directly from CAPEXIA.

100% of files reconstructable in under 10 minutes for Bank Al-Maghrib
−50% monthly CAPEX reporting production workload
×3 reduction in monthly CODIR preparation time
0 CFO/CIO disagreement on CAPEX/OPEX qualification
Our Bank Al-Maghrib inspection asked for the file of a 2022 IT investment. In 8 minutes, the complete file was printed. That is what CAPEXIA concretely changes.
— CFO · Moroccan regional bank
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