摘要：The purpose of this study is to examine the performance of the Egyptian banking sector in order to assess how quality standards should be set to ensure that Egyptian banks can efficiently mobilize more savings and prudently channel them into productive sectors for investment. The sample was equally drawn from four categories consisting of state-owned,privately-owned domestic,foreign and Islamic banks. It starts by setting forth a measure of bank efficiency in enticing customers. Then,a field study is conducted to measure customer satisfaction. In this context,measuring the level of efficiency was performed through field surveys of employees, managers and customers of the banks. Afterwards,the sources of weakness of the banking sector are identified. Finally,remedies to enhance quality are proposed. The results of the empirical field study indicate that there are a number of barriers to quality services that are surprisingly common to all four categories of Egyptian banks. This implies that in spite of the inflow of foreign banks,their service quality standards were benchmarked in accordance with existing ones. Hence,one can safely conclude that foreign banks have not added much value to existing banking practices,but have rather crowded out existing banking firms.
