Yasmine El Amrani is a credit and finance expert with 12 years of experience in the Moroccan banking sector (previous roles at Attijariwafa Bank and BMCE Bank of Africa). Graduate of HEM Casablanca with a Master's in Finance, she has accompanied over 800 mortgage applications and now bases her analyses on real market data. Her favorite topics: mortgage, Daam Sakane housing program, MRE, personal taxation.
Expertise
Education
Master's in Finance, HEM Casablanca (2013)
Published articles
25 analyses by Yasmine El Amrani
Gold in Morocco 2026: Record 720 MAD/g, Safe-Haven Investment in Full Effervescence
Morocco CMI 2026: 21 Million Bank Cards, POS Payments Explode +28%
Bank Al-Maghrib Keeps Policy Rate at 2.75%: What It Means for You
Awrach Youth Program: 300,000 Beneficiaries in 4 Years, Insertion at 26%
Morocco SMIG July 2026: Increase to 3,500 MAD/month — What Changes for 2.1 Million Workers
Morocco CNSS Pension Reform 2026: Legal Age to 63, Pension +8%, Regime Harmonization
Morocco Tourism 2025: Absolute Record 18.2 Million Tourists, 145 Billion MAD Revenue
Wakala Bayt Mal Al Quds: Morocco, Top OIC Contributor to Palestinian People (850M MAD)
Cosumar 2026: Moroccan Sugar Monopoly Facing Import and Price Challenges
Morocco Finance Law 2026: 5 Changes Affecting Your Income Tax (IR)
Morocco Auto-Entrepreneur: 380,000 Registered in 2026, Status Booms
Mandatory IFU for All Individuals in June 2026: Complete Guide to Get Your Identifier
Al Boraq Marrakech-Agadir 2026: 87 Billion MAD for 550 km HSR, Operation 2030
Casablanca Real Estate Q1 2026: Confirmed Rebound, Stable Prices, Transactions +6.2%
Morocco BTr Treasury Bonds for Individuals 2026: 3.5% Yield, 100% State Guarantee, from 5,000 MAD
Hassan II Mosque Foundation: 30 Years, 4.2 Billion MAD Collected, the Moroccan Waqf Model
Daam Sakane: 47,000 Beneficiaries in 2 Years — Report and Outlook
Food Inflation 4.7% in April 2026: What Really Weighs on the Moroccan Basket
Morocco DGI Launches Unified Digital Portal 2026: Everything Online in 15 Minutes
Morocco Sovereign Sukuk: 2025 Report and 2026 Program — Participatory Finance Takes Off
Morocco FinTech 2026: Complete Sector Panorama in Full Explosion
Tanger Med: 9 Million Containers in 2025, the Port Transforming Morocco's Economy
CIMR-Bank Convention: 200,000 Retirees Finally Benefit from Preferential Rates
OCP: 40 Billion MAD for the Fertilizer Green Revolution — Stock and Economic Impact
Morocco Bank ESG 2026: Crédit Agricole, BMCE and AWB Lead the Ranking
Published studies
5 reference studies
Morocco Savings Observatory 2020-2026: 720 Billion MAD, Diversification Boom
Total outstanding 720 billion MAD (+45% in 6 years), OPCVM/BTr/gold rise — Complete study of Moroccan savings behaviors
Morocco Participative Banks Observatory — 8-Year Review (2017-2026)
5 active banks, 28 billion MAD outstanding, 350,000 clients — Complete study of Moroccan Islamic finance ecosystem
Daam Sakane Program Observatory — 3-Year Review (March 2024 - November 2026)
65,000 cumulative beneficiaries, 12.5 billion MAD subsidies paid — Complete study of Morocco's flagship intermediate housing program
Moroccan Diaspora (MRE) Observatory — Q4 2026
6.2 million MRE in 100+ countries, 138 billion MAD in annual transfers — Complete study of profiles, financial behaviors and economic impacts
Morocco Real Estate Credit Observatory — Q3 2026
Reference quarterly edition — complete market analysis, rates by bank, borrower profiles and H2 2026 forecasts