In kinayah of attribution, the quality itself is often named, but instead of predicating it directly of a person, the expression locates it in an object or surrounding closely associated with that person.
«فُلَانٌ كَرِيمٌ» is a direct attribution. «الكرم تحت ردائه» (“generosity is beneath his cloak”) reaches the conclusion that the person himself is generous by locating the quality in something inseparable from him.