Mumbai: Twelve banks have formed a consortium for sharing ATMs. The banks are Bank of Maharashtra, Bank of Bahrain & Kuwait, Greater Bombay Co-op Bank, Centurion Bank, Central Bank of India, UTI Bank, Punjab & Sind Bank, IDBI Bank, Ratnakar Bank, SBI Commercial & International Bank, Cosmos Bank, Air Corporation Employees Co-op Bank, Saraswat Co-op Bank.