Bank of Maharashtra, another PSU bank, emphasizes retail banking (40% revenue, up YoY—positive for lower risk vs. corporate), corporate (36%), treasury (21%, down), and other operations. Loan book: corporate 39%, retail 25%, agriculture 15%, MSME 21%; prefers more retail to reduce corporate risks. Ratios: CAR 17%, yield on advances 8.9%, cost of funds 3.95%, NIM 3.97%, cost-to-income 37.55% (down), ROE 23.8%, gross NPA reduced, net NPA 0.20% (from 0.97% two years ago). Financials: market cap ₹43,000 crore (mid-cap), P/E 7.2, P/B 1.40, ROA 1.64% (strong for banking), consistent YoY top/bottom-line growth. Shareholding: President of India dominant, DIIs/FIIs present, low public holding (reduces volatility). Improving asset quality and retail shift make it a watchlist candidate in PSU banking revival.

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