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.Non EU hadquartered institutions may provide banking activities in the EU through the establishment of a branch in one of the Member States The exercise of freedom to provide services is only authorised to an EU institution. EEA credit institutions may provide cross-border banking services into other EEA countries under passporting rights.