This document discusses credit monitoring procedures at Meezan Bank for risk management. It describes the pre-operational and post-operational stages of monitoring loans. In the pre-operational stage, the bank verifies documents, assesses income, gets legal opinions, evaluates collateral before approving loans. It aims to prevent time and cost overruns. In the post-operational stage, the bank monitors loan repayment, checks financial reports, and takes actions like recovery letters if needed to control risks after loan disbursal. The document also provides details on Meezan Bank's products and procedures for credit proposals.