Its main objective was to compare and empirically examine the performance of the first private commercial bank in Ethiopia, namely Awash International Bank AIB in The Effect of Quality Service on Satisfaction of Interest Free Banking User: The Case of Awash International Bank Sc in Diredawa Town. . International Journal of Science and. The Financial Reporting Proclamation also set a deadline for implementing the transition to IFRS. THE. The main challenges associated with the IFRS implementation process include the significant cost of adopting. Full research paper. Quality of banking service, customer satisfaction and. Loyalty in the Ethiopian banking sector. Mesay Sata Shanka. Hawassa University, School of Management and Accounting, P.