Santander Brasil(BSBR) - 2022 Q4 - Annual Report

25 Table of Contents 27 28 30 31 We are subject to regulation on a consolidated basis and may be subject to liquidation or intervention on a consolidated basis. Increases in reserve, compulsory deposit and minimum capital requirements may have a material adverse ef ect on us. 33 34 We may face operational dif iculties under the Brazilian instant payment scheme. Table of Contents The preparation of our tax returns requires the use of estimates and interpretations of complex tax laws and regulations and is su ...