UBS Group has identified South Korea, India, Ireland, and Saudi Arabia as slow in granting regulatory approvals required for its takeover of Credit Suisse, according to an internal document. The document, circulated to global staff, stated that non-cooperative regulators could jeopardize the merger and other transactions, potentially leading to asset sales and business winding down. UBS completed the takeover in June but still requires approvals from regulators in markets where both banks operate.