Huntington National Bank 2011 Annual Report Download - page 16

certificates of deposit, consumer loans, and small business loans and leases. Other financial services
available to consumers and small business customers include investments, insurance services, interest rate
risk protection products, foreign exchange hedging, and treasury management services. Retail and
Business Banking provides these services through a banking network of over 600 traditional branches and
convenience branches located in grocery stores. In addition, alternative distribution channels are available
to customers including internet and mobile banking, telephone banking, and over 1,300 ATMs.
• Regional and Commercial Banking — This segment provides a wide array of products and services to the
middle market and large corporate client base located primarily within our core geographic banking
markets. Products and services are delivered through a relationship banking model and include
commercial lending, as well as depository and liquidity management products. Dedicated teams
collaborate with our primary bankers to deliver complex and customized treasury management solutions,
equipment and technology leasing, international services, capital markets services such as interest rate
risk protection products, foreign exchange hedging and sales, trading of securities, mezzanine investment
capabilities, and employee benefit programs (e.g. insurance, 401(k)). The Commercial Banking team
specializes in serving a number of industry segments such as government entities, not-for-profit
organizations, health-care entities, and large, publicly traded companies.
• Automobile Finance and Commercial Real Estate — This segment provides lending and other banking
products and services to customers outside of our normal retail or commercial channels. More
specifically, we serve automotive dealerships, retail customers who obtain financing at the dealerships,
professional real estate developers, REITs, and other customers with lending needs that are secured by
commercial properties. Most of our customers are located in our primary banking markets. Our products
and services include financing for the purchase of automobiles by customers of automotive dealerships;
financing for the purchase of new and used vehicle inventory by automotive dealerships; and financing
for land, buildings, and other commercial real estate owned or constructed by real estate developers,
automobile dealerships, or other customers with real estate project financing needs. We also provide other
banking products and services to our customers as well as their owners or principals. These products and
services are delivered through: (1) relationships with established automobile dealerships, (2) relationships
with developers in our primary banking markets believed to be experienced, well-managed, and well-
capitalized and are capable of operating in all phases of the real estate cycle (top-tier developers),
(3) leads through community involvement, and (4) referrals from other professionals.
• Wealth Advisors, Government Finance, and Home Lending — This segment provides wealth
management banking services to high net worth customers in our primary banking markets and in Florida
by utilizing a cohesive model that employs a unified sales force to deliver products and services directly
and through the other segments. We provide these products and services through a unified sales team,
which consists of former private bankers, trust officers, and investment advisors; Huntington Asset
Advisors, which provides investment management services; Huntington Asset Services, which offers
administrative and operational support to fund complexes; and retirement plan services. We also provide
banking products and services to government entities across our primary banking markets by utilizing a
team of relationship managers providing public finance, brokerage, trust, lending, and treasury
management services. We originate and service consumer loans to customers who are generally located in
our primary banking markets. Consumer lending products are distributed to these customers primarily
through the Retail and Business Banking segment and commissioned loan originators.
A Treasury / Other function includes our insurance brokerage business, which specializes in commercial
property and casualty, employee benefits, personal lines, life and disability and specialty lines of insurance. We
also provide brokerage and agency services for residential and commercial title insurance and excess and surplus
product lines of insurance. As an agent and broker we do not assume underwriting risks; instead we provide our
customers with quality, noninvestment insurance contracts. The Treasury / Other function also includes
technology and operations, other unallocated assets, liabilities, revenue, and expense.
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