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The document is CIT's 2005 annual report. It summarizes that in 2005, CIT capitalized on its strengths to execute a differentiated strategy focused on sector alignment, customer focus, and risk management. This resulted in strong financial results for 2005 and positioned CIT for future growth. CIT emerged from 2005 as an even stronger company by taking advantage of new opportunities while leveraging its established strengths and legacy in the commercial lending space.



































































































































