Kathmandu, July 2 Civil Bank has started joint operation after acquiring Hama Merchant Finance and Unique Finance from today. Inaugurating  the joint operation, Nepal Rastra Bank Governor Chiranjibi Nepal said that banks and financial institutions (BFIs) have enormous opportunities to invest in the productive sector as the trade disruptions of last year were an eye-opener for the producers that there is an opportunity everywhere. Governor Nepal also expressed hope that all the financial institutions will be able to meet the paid-up capital requirement fixed by the central bank by the end of this fiscal. “Acquisition of the two organisations will enhance the business capacity of the bank enabling it to invest further in infrastructural and industrial projects,” said Govinda Gurung, Acting CEO of Civil Bank. Civil Bank’s paid-up capital stands at Rs 5.18 billion after the acquisition of the two finance companies and the recent annual general meeting of the bank had announced 40 per cent rights share (of the paid-up capital) to its shareholders to meet the paid-up capital requirement of Rs eight billion set by the central bank. Civil Bank has a network of 53 branches and it has currently mobilised deposits worth Rs 34.97 billion and credit worth Rs 31.22 billion.