Consider Kingfisher House, a 17,000 square feet property in Andheri, which was pledged to Punjab National Bank, during the time of loan disbursal to Kingfisher Airlines. When the loan turned bad and PNB tried taking possession of the property, Kingfisher Airlines refused to part with it. In normal course, the bank has enough leeway to recover the loan with the help of agents. But when the matter involves big corporates and crores of rupees, the matter ends up in court, as has happened with Kingfisher. We, thus, see a clear enmeshing of the corporate entity with the interests of the owner, leading to all-round losses and stress on the banking system.