📑 Summary of the Book (Bullet Points) 1. Introduction to Credit Management • What is credit? • Why banks provide loans • Types of credit in modern banking 2. Credit Principles & 5Cs of Credit • Character • Capacity • Capital • Collateral • Condition 3. Credit Operation Flow in Banks • Loan application • CIB checking • Income assessment • Visit & verification • Approval process • Documentation • Disbursement 4. Types of Bank Loans (Detailed) • Retail Loans (Home loan, car loan, personal loan) • SME Loans (Term loan, CC, OD, FDR loan, etc.) • Corporate Loans • Islamic Investment Products (HPSM, Murabaha, Bai-Muajjal, Musharaka, etc.) 5. Required Documents for Each Loan • KYC & account documents • Business documents • Financial statements • Collateral documents 6. Credit Risk Analysis • Financial analysis • Qualitative analysis • Cash flow analysis • Debt capacity • Credit scoring 7. Collateral, Mortgage & Security Management • Types of collateral • Valuation method • Legal mortgage process • Charges & documentation checklist 8. Credit Monitoring & Follow-up System • Early warning signals • Review system • Portfolio reporting 9. Loan Classification & Provisioning • Categories: SS, DF, BL • Provision calculation • Bangladesh Bank policies 10. Recovery & Legal Actions • Soft recovery • Hard recovery • Negotiation techniques • Legal actions under Artha Rin Adalat