Huntington National Bank 2005 Annual Report Download - page 24
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22
COMMERCIAL BANKING REVIEW
Our Commercial Banking strategy continues to build long-term partnerships with targeted Ideal Huntington Clients.
We have a clear and distinct value proposition that is attractive to a defi ned set of businesses, and our associates are
focused, disciplined, and relentless in client selection and development. Ideal Huntington Clients are generally com-
mercial customers with annual sales of $10 million – $500 million who can benefi t from a fi nancial relationship from
our advisors’ innovative ideas and advice. We offer a robust range of fi nancing options. Yet, lending money is only
one piece of the complete relationship we want to develop with new and existing customers. As partners, our purpose
is to help them build ownership value by delivering good investment returns, effi cient cash collection and disbursement,
fl exible borrowing alternatives, and access to capital markets.
Our structure, coupled with fully trained Commercial Banking staff, easily allows delivery of our full range of services.
Our “local bank with national resources” model ensures decisions are made close to customers. State-of-the-art
fi nancing and servicing options permit customized fi nancial solutions. We offer solutions in the areas of treasury and
cash management, interest rate risk management, trade fi nancing, foreign exchange, equipment and technology leasing,
401(k) plan services, investment management, custody services, and a full range of private banking products.
Our standard sales process includes system-wide relationship and business banking models and requires formal sales
training for all commercial associates. This is a continuous process. In addition, we continually update and redesign
workfl ows for customer service and support to improve productivity and to make it easier to sell the full range of new
products and services. We offer leading-edge products designed to provide customers access to their cash management
needs in a secure environment, with better online self-service, through the introduction of Business Online and remote
check capture. Corporate banking customers can track transactions on a round-the-clock basis. We continue to focus
on sustaining and improving our “Simply the Best” service goals. Our progress is being noticed. In 2005, Greenwich
Associates recognized several of our middle-market banking products and services.
The combination of our focus on Ideal Huntington Clients and disciplined credit culture permit us to reduce credit
risk while growing our customer base. We are confi dent about our ability to grow the commercial business and the
number of Ideal Huntington Clients. We have the right people in the right place, offering the right products and
providing “Simply the Best” customer experience.