Huntington National Bank 2011 Annual Report Download - page 224

In addition, Regional and Commercial Banking expanded the leadership, investment, and capabilities for
treasury management and equipment finance. With our investments in treasury management, Huntington
differentiated itself through our implementation experience and the speed at which products and services are
delivered to our customers. In equipment finance, Huntington distinguished itself through aggressive business
development and local service delivery and by strategically aligning with our bank partners to drive market
share. The increase in originations during the current period reflected the strategic decision to enter three new
markets: business aircraft finance, rail industry finance, and lender finance.
Automobile Finance and Commercial Real Estate: This segment provides lending and other banking
products and services to customers outside of our normal retail and commercial banking segments. 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. Products and services are delivered through highly specialized
relationship-focused bankers and our cross segment product partners. Huntington creates well-defined
relationship plans which identify needs where solutions are developed and customer commitments are obtained.
The Automotive Finance team services automobile dealerships, its owners, and consumers buying
automobiles through these dealerships. Huntington has provided new and used automobile financing and dealer
services throughout the Midwest since the early 1950s. This consistency in the market and our focus on working
with strong dealerships, has allowed us to actively deepen relationships while building a strong reputation.
The Commercial Real Estate team serves professional real estate developers, REITs, and other customers
with lending needs that are secured by commercial properties. Huntington has a clear focus on experienced, well-
managed, well-capitalized top tier real estate developers who are capable of operating in all economic phases of
the real estate industry. Most of our customers are located within our footprint.
Wealth Advisors, Government Finance, and Home Lending: This segment consists of our wealth
management, government banking, and home lending businesses. In wealth management, Huntington provides
financial services to high net worth clients in our primary banking markets and Florida. Huntington provides
these 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. Aligned with the eleven regional commercial banking markets, this coordinated service model delivers
products and services directly and through the other segment product partners. A fundamental point of
differentiation is our commitment to be in the market, working closely with clients and their other advisors to
identify needs, offer solutions and provide ongoing advice in an optimal client experience.
The Government Finance Group provides financial products and services to government and other public
sector entities in our primary banking markets. A locally based team of relationship managers works with clients
to meet their public finance, brokerage, trust, lending, and treasury management needs.
Home Lending originates and services consumer loans and mortgages for customers who are generally
located in our primary banking markets. Consumer and mortgage lending products are primarily distributed
through the Retail and Business Banking segment, as well as through commissioned loan originators. Closely
aligned, our Community Development group serves an important role as it focuses on delivering on our
commitment to the communities Huntington serves.
The segment also includes the related businesses of investment management, investment servicing, custody,
and corporate trust and retirement plan services. Huntington Asset Advisors provides investment management
services through a variety of internal and external channels, including advising the Huntington Funds, our
proprietary family of funds. Huntington Asset Services offers administrative and operational support to fund
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