Primary objective of this report is to analysis credit operation, credit management and credit performance including the credit payment system of Islami banks, here focus on Shah Jalal Islami Bank Limited. Other objectives are analysis the Lending procedures and observe principal Lending activities of Shahjalal Islami Bank. Report also focus on evaluate Lending performance and appraise the actual Recovery position of the SJIBL. Finally identify problems in credit operations and recommend suggestions for the successful Lending Operations of the Shahjalal Islami Bank.