Huntington National Bank 2011 Annual Report Download - page 223

savings accounts, money market accounts, certificates of deposit, consumer loans, and small business loans and
leases. Other financial services available to consumer and small business customers include investments,
insurance services, interest rate risk protection products, foreign exchange hedging, and treasury management
services. Huntington serves customers primarily through our traditional banking network of over 600 branches as
well as our convenience branches located in grocery stores in Ohio, Michigan, Pennsylvania, Indiana, West
Virginia, and Kentucky. In addition to our extensive branch network, customers can access Huntington through
online banking, mobile banking, telephone banking, and over 1,300 ATMs.
Huntington has established a “Fair Play” banking philosophy and is building a reputation for meeting the
banking needs of consumers in a manner which makes them feel supported and appreciated. In 2010, Huntington
brought innovation to the checking account by providing consumers with a 24-hour grace period to correct a
shortfall in an account and avoid the associated overdraft fees. Huntington believes customers are recognizing
this and other efforts as key differentiators and it is earning us more customers and deeper relationships.
Business Banking is a dynamic and growing part of Huntington’s business and we are committed to being
the bank of choice for small businesses in our markets. Business Banking is defined as companies with revenues
less than $15 million and consists of approximately 130,000 businesses. Huntington continues to develop
products and services that are designed specifically to meet the needs of small business. Huntington continues to
look for ways to help companies find solutions to their capital needs, from our program helping businesses that
had struggled in the economic downturn but are now showing several quarters of profitability, to our
participation in the Small Business Administration programs. As of September 30, 2011, the SBA reported that
Huntington ranked first in our footprint and third in the nation in the number of SBA loans originated during the
SBA fiscal year.
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.
Huntington products in this segment 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 (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. Commercial bankers personally deliver
these products and services directly and with cross-segment product partners. Huntington consistently strives to
develop extensive relationships with clients creating defined relationship plans which identify needs and offer
solutions.
The primary focus for Regional and Commercial Banking is our ability to gain a deeper relationship with
our existing customers and to increase our market share through our unique customer solution strategy. This
includes a comprehensive cross-sell approach to capture the untapped opportunities within our customer and
prospect community. This strategy embodies a shift from credit-only focus, to a total customer solution approach
with an increasing share-of-wallet.
The Regional and Commercial Banking business model includes eleven regional markets driven by local
execution. These markets are supported by expertise in large corporate and middle market segments, by
capabilities in treasury management and equipment finance, and by vertical strategies within the healthcare and
not-for-profit industries.
The commercial portfolio includes a distribution across industries and segments which resembles the market
demographics of our footprint. A strategic focus of Regional and Commercial Banking is to target
underpenetrated markets within our footprint and capitalize on opportunities in industries such as not-for-profit
and healthcare.
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