Huntington National Bank 2014 Annual Report Download - page 197

191
Capital Markets has two distinct product capabilities: corporate risk management services and institutional sales, trading &
underwriting. The Capital Markets Group offers a full suite of risk management tools including commodities, foreign exchange and
interest rate hedging services. The Institutional Sales, Trading & Underwriting team provides access to capital and investment
solutions for both municipal and corporate institutions.
Treasury Management teams help businesses manage their working capital programs and reduce expenses. Our liquidity
solutions help customers save and invest wisely, while our payables and receivables capabilities help them manage purchases and the
receipt of payments for good and services. All of this is provided while helping customers take a sophisticated approach to managing
their overhead, inventory, equipment and labor.
Insurance brokerage business 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.
Automobile Finance and Commercial Real Estate: This segment provides lending and other banking products and services to
customers outside of our traditional retail and commercial banking segments. Our products and services include providing financing
for the purchase of vehicles by customers at franchised automotive dealerships, financing the acquisition of new and used vehicle
inventory of franchised 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
franchised 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 these customers are located within our footprint.
Regional Banking and The Huntington Private Client Group: The RBHPCG business segment was created as the result of an
organizational and management realignment that occurred in January 2014. Regional Banking and The Huntington Private Client
Group is well positioned competitively as we have closely aligned with our eleven regional banking markets. A fundamental point of
differentiation is our commitment to be actively engaged within our local markets - building connections with community and
business leaders and offering a uniquely personal experience delivered by colleagues working within those markets.
The Huntington Private Client Group is organized into units consisting of The Huntington Private Bank, The Huntington Trust,
The Huntington Investment Company, Huntington Community Development, Huntington Asset Advisors, and Huntington Asset
Services. Our private banking, trust, investment and community development functions focus their efforts in our Midwest footprint
and Florida; while our proprietary funds and ETFs, fund administration, custody and settlements functions target a national client
base.
The Huntington Private Bank provides high net-worth customers with deposit, lending (including specialized lending options) and
banking services.
The Huntington Trust also serves high net-worth customers and delivers wealth management and legacy planning through
investment and portfolio management, fiduciary administration, trust services and trust operations. This group also provides
retirement plan services and corporate trust to businesses and municipalities.
The Huntington Investment Company, a dually registered broker-dealer and registered investment adviser, employs
representatives who work with our Retail and Private Bank to provide investment solutions for our customers. This team offers a wide
range of products and services, including brokerage, annuities, advisory and other investment products.
Huntington Community Development focuses on improving the quality of life for our communities and the residents of low-to
moderate-income neighborhoods by developing and delivering innovative products and services to support affordable housing and
neighborhood stabilization.
Huntington Asset Advisors provides investment management services solely advising the Huntington Funds, our proprietary
family of mutual funds and Huntington Strategy Shares, our Exchange Trade Funds.