Huntington National Bank 2013 Annual Report Download - page 14

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 Regional and Commercial Banking – This segment provides a wide array of products and services to the middle
market and large corporate customers located primarily within our eleven regional commercial 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 relationship bankers to deliver
complex and customized treasury management solutions, equipment leasing, international services, capital markets
services such as interest rate risk protection products, foreign exchange hedging and sales, trading of securities, and
employee benefit programs (insurance, 401(k)). The Commercial Banking team specializes in serving a number of
industry segments such as 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 and commercial banking segments. Our products and services include
financing for the purchase of automobiles by customers at automotive dealerships, financing the acquisition of new and
used vehicle inventory of 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
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 expand into selected markets outside of the Midwest and to actively deepen relationships while building a
strong reputation.
The Commercial Real Estate team serves real estate developers, REITs, and other customers with lending needs that
are secured by commercial properties. 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 private bankers, trust officers, and investment advisors. 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
trust, lending, and treasury management needs. Closely aligned, our Community Development group serves an
important role as it focuses on delivering on our commitment to the communities Huntington serves.
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.
The segment also includes the related businesses of investment management, investment servicing, custody,
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
mutual funds and Huntington Strategy Shares, our actively-managed exchange-traded funds. Huntington Asset Services
offers administrative and operational support to fund complexes, including fund accounting, transfer agency,
administration, and distribution services. Our retirement plan services business offers fully bundled and third party
distribution of a variety of qualified and non-qualified plan solutions.
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.