CIT Group Inc.

Global Headquarters
505 Fifth Avenue
New York, NY 10017
212-771-0505

Corporate Headquarters
1 CIT Drive
Livingston, NJ 07039
973-740-5000

www.CIT.com
Global commercial and
consumer finance

Overview

CIT Group Inc. (NYSE: CIT) is a global commercial and consumer finance
company with more than $70 billion in managed assets. Founded in 1908,
CIT’s 7,200 employees serve more than one million customers in over 50
countries.

CIT, a Fortune 500 company and a member of the S&P 500 Index,
provides financial advice and solutions to major businesses and consumers
throughout the world.

It holds leading positions in vendor financing, factoring, equipment and

transportation financing, Small Business Administration (SBA) loans, and
student, home and asset-based lending. It also offers commercial real estate
financing, as well as M&A and management advisory services.

Managed assets by geography*1

Financial performance*
Key figures 2003 2004 2005 Other 6.7%

Net Income $566.9m $753.6m $936.4m Latin America 0.9%

Asia Pacific 2.1%
Diluted EPS $2.66 $3.50 $4.44 Europe 5.3%
Dividends Per Share $0.48 $0.52 $0.61
Return on Assets 1.58% 1.93% 1.95% Canada 6.1%

Return on Equity 10.9% 13.2% 15.1%

U.S. 78.9%
Growth in managed assets* Structure
70
$62.9bn
CIT is comprised of 5 business segments:
60
$53.5bn
$49.7bn Consumer/Small Business Lending provides collateralized and
50 $46.4bn
government-secured loans to consumers and small businesses
40
(SBA, student loans and home mortgages) leveraging broker
and other intermediary relationships.
30

Corporate Finance provides lending, leasing and other financial and

20
advisory services to middle-market companies, with a focus on specific
industries, including healthcare, energy, communications, media and
10
entertainment.
0

2002 2003 2004 2005

Trade Finance provides factoring and other trade and financial products
to companies in the retail supply chain.
Managed assets by segment*
Vendor Finance $13.0bn
Trade Finance $6.7bn Transportation Finance provides lending, leasing and other banking
services to the rail and aerospace and defense industries.

Vendor Finance provides financing solutions to manufacturers,

Corporate
Finance $16.6bn distributors and other intermediaries including Avaya, Dell, Microsoft,
Snap-on, and Toshiba.

Consumer & Small Transportation

Business Lending $16.1bn Finance $10.5bn

1
*As of 12/31/05 Includes owned assets plus finance receivables securitized and managed by CIT
London:
Peninsular House,
36 Monument Street,
London EC3R 8LJ, UK
44-207-411-4813

Dublin: CIT House,

Blackrock Business Park,
Carysfort Avenue,
Blackrock, Co Dublin,
Ireland
353-1-279-6295

Toronto:
207 Queen’s Quay West,
Toronto, ON M5J 1A7,
Canada
416-507-2400

CIT International Owned assets by geography*2

CIT has offices in more than 50 locations throughout North America, Europe 39.1%
Europe, Latin America and Asia Pacific. Europe represents the largest
portion of CIT’s international portfolio. Asia Pacific 16%

Latin America 8.7%

Canada 28.8% Other 7.4%

Board of Directors

Jeffrey M. Peek – Chairman and Chief Executive Officer of CIT Group Inc.
CIT Business Unit & Division Heads Gary C. Butler – Director since February 2004. Chief Executive Office of
Automatic Data Processing, Inc (ADP).
Consumer & Small Business Lending William M. Freeman – Director since July 2003. Former CEO of Leap
CIT Bank – Rick Lake Wireless International, Inc. and Bell Atlantic-New Jersey.
CIT Consumer Finance / Home Lending – Randall Chesler Hon. Thomas H. Kean – Director since July 2002. Former Governor of
CIT Small Business Lending – Chris Reilly New Jersey and President of Drew University.
Student Loan Xpress® – Michael Shaut Susan Lyne – Director since October 2006. President and Chief Executive
Officer of Martha Stewart Living Omnimedia, Inc.
Corporate Finance Marianne Miller Parrs – Director since January 2003. Executive Vice
CIT Business Capital – Marc Adelson & Mitch Drucker President of Administration, Information Technology and Human
CIT Capital Markets – Bill Swenson Resources of International Paper Company.
CIT Commercial Finance Europe – Graham Randell Timothy M. Ring – Director since January 2005. Chairman and CEO of
CIT Commercial Real Estate – Dennis Irvin C.R. Bard, Inc.
CIT Communications, Media & Entertainment – Jim Hudak Vice Admiral John Ryan, USN – Director since July 2003. Chancellor of
CIT Construction – Ron Riecks the State of University of New York. Former Commander of the Fleet
CIT Energy – Brooks Klimley Air Mediterranean and Commander of the Patrol Wings for the U.S.
CIT Equipment Finance – Mike Brown Pacific Fleet.
CIT Healthcare – Flint Besecker Sy Sternberg – Director since December 2005. Chairman and CEO of
CIT M&A Advisory Services – Gregg Smith New York Life Insurance Company.
CIT Sponsor Finance – Tim Eichenlaub Peter J. Tobin – Director since July 2002. Former Special Assistant to the
CIT Syndicated Loan Group – Pete Connolly President of St. John’s University. Former Chief Financial Officer of The
Chase Manhattan Corporation.
Trade Finance Lois M. Van Deusen – Director since January 2003. Managing Partner of
CIT Commercial Services – John Daly McCarter & English, LLP.

Transportation Finance Executive Management

CIT Aerospace – Jeff Knittel
CIT Rail – George Cashman Jeffrey M. Peek – Chairman and Chief Executive Officer
Thomas B. Hallman – Vice Chairman, Specialty Finance
Vendor Finance Robert J. Ingato – Executive Vice President, General Counsel and Secretary
CIT Vendor Finance, Global Major Relationships – Jeff Simon Joseph M. Leone – Vice Chairman and Chief Financial Officer
CIT Vendor Finance Americas – Kris Snow Lawrence A. Marsiello – Vice Chairman and Chief Lending Officer
CIT Vendor Finance Europe and Asia Pacific – Terry Kelleher Walter J. Owens – Executive Vice President, Chief Sales & Marketing Officer
William J. Taylor – Executive Vice President, Controller and Principal
CIT Insurance Services – Paul Petrylak Accounting Officer
Frederick E. Wolfert – Vice Chairman, Commercial Finance
CIT Canada – Daryl MacLellan

2
*As of 12/31/05 Includes only owned assets

Securities and investment banking services offered through CIT Capital Securities LLC, an affiliate of CIT.

© 2006 CIT Group Inc., CIT and the CIT logo are registered service marks of CIT Group Inc. 12/06