OBS_VALUE: Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, Articles 33 and 34.Selon la directive, les établissements de crédit de l'EEE peuvent fournir des services bancaires transfrontaliers dans d'autres pays de l'EEE en vertu des droits de passeport, mais si la présence commerciale est nécessaire ou non pour les entreprises non-EEE est laissée aux autorités nationales.According to the Directive, EEA credit institutions may provide cross-border banking services into other EEA countries under passporting rights but whether commercial presence is required or not for non-EEA firms is left to national authorities.