Reuters is reporting that according to an internal document it has reviewed, UBS Group AG has determined that at least four countries, including South Korea and India are holding up the completion of its takeover of Credit Suisse, by being “slow” in granting regulatory approvals which it requires to finish the acquisition.

According to the document, which was dated September 6th and circulated to global staff, the Swiss banking giant also identified Ireland and Saudi Arabia as “slow jurisdictions” in approving licenses. The document had not been previously reported on.

Prepared following a global review which assessed the timeline of regulatory approvals required for the acquisition to be finalized, the document noted that regulators which were non-cooperative could endanger transactions such as the Swiss bank merger.

The bank went on to note in the document that as securing regulatory approvals became less certain, that could lead to the bank having to wind down businesses and sell off assets when the bank faces, “difficult jurisdictions or regulators.”

As Switzerland’s second-largest bank, Credit Suisse endured years of scandals and mismanagement-produced losses which led to it having to be rescued in March of this year, in a takeover by its larger rival UBS which was brokered by the Swiss government.

The takeover by UBS was completed in June. However the bank still requires approvals from regulators in the nations where both banks operate, in order to finalize the legal aspects of the completion of the merger.

Neither UBS nor Credit Suisse had any comment on the report, nor did spokespeople for the central banks of the nations discussed in the report.