OBS_VALUE: Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance establishes that EEA insurers may provide cross-border banking services into other EEA countries. However, whether commercial presence is required or not for non-EEA firms depends on national law. For the conditions of the establishment of branches of non-EEA firms in a Member States, please see Article 162 of the EU Directive. In Slovakia, EEA insurers can provide cross-border services (§ 19). Other foreign insurance companies can only pursue insurance activities in the territory of the Slovak Republic through a branch.