Huntington National Bank 2015 Annual Report Download - page 17

9
• Commercial Banking: Through a relationship banking model, this segment provides a wide array of products and
services to the middle market, large corporate, and government public sector customers located primarily within our
geographic footprint. The segment is divided into seven business units: middle market, large corporate, specialty banking,
asset finance, capital markets, treasury management, and insurance.
Middle Market Banking primarily focuses on providing banking solutions to companies with annual revenues of
$20 million to $500 million. Through a relationship management approach, various products, capabilities and solutions
are seamlessly delivered in a client centric way.
Corporate Banking works with larger, often more complex companies with revenues greater than $500 million.
These entities, many of which are publicly traded, require a different and customized approach to their banking needs.
Specialty Banking offers tailored products and services to select industries that have a foothold in the Midwest.
Each banking team is comprised of industry experts with a dynamic understanding of the market and industry. Many of
these industries are experiencing tremendous change, which creates opportunities for Huntington to leverage our expertise
and help clients navigate, adapt, and succeed.
Asset Finance business is a combination of our Equipment Finance, Public Capital, Asset Based Lending,
Technology and Healthcare Equipment Leasing, and Lender Finance divisions that focus on providing financing solutions
against these respective asset classes.
Capital Markets has two distinct product capabilities: corporate risk management services and institutional sales,
trading, and 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 goods 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. The group 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, this business
does not assume underwriting risks but alternatively provides 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.
Within Commercial Real Estate, 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.
• Regional Banking and The Huntington Private Client Group: 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