Huntington National Bank 2013 Annual Report Download - page 193

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Business Banking is a dynamic and growing part of our 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 up to $25 million and consists of approximately
163,000 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.
Regional and Commercial Banking: This segment provides a wide array of products and services to the middle market and large
corporate customers base 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, mezzanine investment capabilities, 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 relationship.
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.
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, 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. Huntington also provides 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.