1. Global Headquarters
505 Fifth Avenue
New York, NY 10017
212-771-0505
www.cit.com
Financial Solutions for Small
and Middle Market Businesses
Overview
CIT (NYSE: CIT) is a bank holding company with more than $60 billion in
finance and leasing assets that provides financial products and advisory
services to small and middle market businesses. Operating in more than 50
countries across 30 industries, CIT provides an unparalleled combination of
relationship, intellectual and financial capital to its customers worldwide. CIT
maintains leadership positions in small business and middle market lending,
retail finance, aerospace, equipment and rail leasing, and vendor finance.
Founded in 1908 and headquartered in New York, CIT is a member of the S&P
500 and Fortune 500.
CIT International
Financial Performance
CIT has offices in more than 50 locations throughout North America,
2004 2005 2006 2007 2008
1 1 2 2 2
Europe, Latin America and Asia Pacific.
Net Income (loss) $754m $936m $895m $762m ($698m)
Diluted EPS $3.50 $4.44 $4.41 $3.93 ($2.69)
Cash Dividends Per Share $0.52 $0.61 $0.80 $1.00 $0.55
Return on Equity 13.2% 15.1% 13.6% 12.9% (12.1%)
Includes results from Home Lending, which was discontinued in June, 2008.
1
Reflects results from continuing operations, after preferred dividends.
2
Revenue
$7.8
8.0
7.0
$6.2 $6.1
$5.8
6.0
($ in billions)
$4.7
5.0
4.0
Debt Ratings
3.0
Commercial Senior
2.0
Paper Unsecured Debt
1.0
DBRS R-2 (high) A (low)
0.0
Fitch Ratings F-2 BBB
20041 20051 20062 20072 20082
Moody’s Investors P-2 Baa2
Other Income3 A-2 BBB+
Standard & Poor’s
Finance Income Rental Income
The credit ratings stated above are not a recommendation to buy, sell or hold securities and
Includes results from Home Lending, which was discontinued in June, 2008.
1
may be subject to revision or withdrawal by the assigning rating organization. Each rating
Reflects results from continuing operations, after preferred dividends.
2
should be evaluated independently of any other rating.
Includes fees, commissions, asset gains and other income.
3
Contacts
Investor Relations: Media Relations:
Ken Brause C. Curtis Ritter
Executive Vice President Director of External Communications & Media Relations
212-771-9650 212-461-7711
Ken.Brause@cit.com Curt.Ritter@cit.com

2. Canada:
US:
207 Queen’s Quay West
1 CIT Drive
Toronto, ON M5J 1A7
Livingston, NJ 07039
Canada
973-740-5000
416-507-2400
UK:
China:
Peninsular House
18F, No. 500 Fushan Road
36 Monument Street
UC Tower, Pudong,
London EC3R 8LJ, UK
Shanghai, 200122, PRC
44-207-411-4800
86-21-6160-2288
Ireland:
CIT House
Blackrock Business Park,
Carysfort Avenue,
Blackrock Co.
Dublin, Ireland
353-1-279-6295
Commercial Segments Asset Composition1
Corporate Finance Finance and Leasing Assets by Segment ($ in billions)
Co-Heads Peter Connolly and Jim Hudak
Trade Finance
Provides lending, leasing and other financial and advisory services to
$6.0
small and middle market companies, with a focus on specific industries,
including healthcare, energy, communications, media and entertainment. Corporate Finance
$21.1
Vendor Finance
$12.2
Trade Finance
John Daly, President
Provides factoring, lending, credit protection, receivables management
and other trade finance services to companies that sell into retail
channels of distribution.
Transportation Finance
Consumer
$12.5
Jeff Knittel, President Transportation Finance
$14.2
Provides lending, leasing and advisory services to the transportation
industry, principally aerospace and rail. Portfolio Assets by Industry
Vendor Finance
Energy and utilities Finance and insurance
Kris Snow, President 2.5%
2.5%
Communications
Provides innovative customer financing and leasing solutions that Wholesaling
2.5%
2.0%
support global, regional and local manufacturers and distributors in Consumer based lending- 1
Student lending
non-real estate
18.4%
technology, office products, diversified industries, telecommunications 3.4%
and healthcare. Transportation
4.5%
Healthcare
6.5%
Other 2
14.5%
Service industries
Products Services 7.1%
Asset based loans Financial risk management
n n
Secured lines of credit Asset management and
n n Retail
8.8%
servicing Manufacturing
Leases - operating, capital
n
14.3%
Commercial airlines
and leveraged Merger and acquisition
n
13.0%
advisory services
Vendor finance programs
n
Portfolio Assets by Geography
Debt restructuring
n
Import and export financing
n
Australia
Credit protection
n 1.3% Spain
China
Debtor-in-possession /
n Mexico
1.7%
1.9% 1.0%
turnaround financing Accounts receivable collection
n Germany France
2.1% 0.9%
Acquisition and expansion Debt underwriting and
n n England
3.8%
financing syndication
Canada
Project financing Insurance
n n 6.8%
Small business loans Capital markets structuring
n n All other countries
7.5%
Letters of credit / trade
n
acceptances
US
73.0%
Ceased originating all student loans in April 2008.
1
No other industry greater than 2%.
2
Securities and investment banking services offered through CIT Capital Securities LLC, an affiliate of CIT.
© 2009 CIT Group Inc., CIT and the CIT logo are registered service marks of CIT Group Inc. 3/09