8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): June 27, 2014 (June 27, 2014)

CIT GROUP INC.

(Exact name of registrant as specified in its charter)

Delaware	001-31369	65-1051192
(State or other	(Commission	(IRS Employer
jurisdiction of	File Number)	Identification No.)
incorporation)

11 West 42^nd Street

New York, New York 10036

(Address of registrant's principal executive office)

Registrant's telephone number, including area code: (212) 461-5200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

[    ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[    ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[    ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[    ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Section 7 – Regulation FD

Item 7.01.   Regulation FD Disclosure.

In connection with the sale of its student lending business in April 2014, CIT Group Inc. (the “Company” or “CIT”) reclassified its student lending business as a discontinued operation. The Company is filing this Current Report on Form 8-K and attaching as an exhibit the financial data package of the Company as of and for the years ended December 31, 2013, 2012, and 2011 and as of and for the quarters ended March 31, 2014 and March 31, June 30, September 30, and December 31 in each of 2013 and 2012, which have been recast to reflect the reclassification of its student lending business as a discontinued operation. The financial data package, as recast, are attached as Exhibit 99.1. Exhibit 99.1 includes certain non-GAAP financial measures. A reconciliation of those measures to the most directly comparable GAAP measures is included as a table to Exhibit 99.1. The information included under this Item 7.01, including Exhibit 99.1, shall be considered furnished for purposes of the Securities Exchange Act of 1934, as amended.

Section 9 – Financial Statements and Exhibits

Item 9.01.   Financial Statements and Exhibits.

(d) Exhibits.

99.1 Financial data package of CIT Group Inc. as of and for the years ended December 31, 2013, 2012, and 2011, and as of and for the quarters ended March 31, 2014 and March 31, June 30, September 30, and December 31 in each of 2013 and 2012, which have been recast to reflect the reclassification of the Company’s student lending business as a discontinued operation.

Forward-Looking Statements

     This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. All forward-looking statements (including statements regarding future financial and operating results) involve risks, uncertainties and contingencies, many of which are beyond CIT's control, which may cause actual results, performance, or achievements to differ materially from anticipated results, performance, or achievements. All statements contained in this document that are not clearly historical in nature are forward-looking, and the words "anticipate," "believe," "expect," "estimate," "plan," and similar expressions are generally intended to identify forward-looking statements. Economic, business, funding market, competitive and/or regulatory factors, among others, affecting CIT's businesses are examples of factors that could cause actual results to differ materially from those described in the forward-looking statements. More detailed information about these factors are described in CIT's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2013. CIT is under no obligation to (and expressly disclaims any such obligation to) update or alter its forward-looking statements, whether as a result of new information, future events or otherwise.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CIT GROUP INC.
(Registrant)
By:	/s/ Scott T. Parker
	Scott T. Parker
	Executive Vice President & Chief Financial Officer

Dated: June 27, 2014

EX-99.1

Exhibit 99.1

FINANCIAL DATA PACKAGE

The data provided herein has not been examined by independent accountants and may not be presented in accordance with generally accepted accounting principles (“GAAP”). As such, the data may vary from comparable data reported in CIT’s Forms 10-K & 10-Q. Modifications include, but are not limited to, the presentation of revised and restated financials, the reclassification of certain prior period data to conform to the current period presentation and differences due to rounding.

Please refer to the Company’s SEC filings on Forms 10-K and 10-Q for consolidated financial results prepared in accordance with GAAP.

Amounts shown are as of or for the period ending as applicable.

Effective January 1, 2014 CIT began managing its businesses and reporting its financial results in three operating segments:

- Transportation & International Finance

- North American Commercial Finance

- Non-Strategic Portfolios

These new segments will consist of the following divisions:

Transportation & International Finance

- Aerospace - Includes Commercial Air (operating leases and loans) and Business Aircraft Finance

- Rail

- Maritime Finance

- International Finance - Includes the corporate lending business in the U.K. ( formerly part of the Corporate Finance Segment) and the equipment financing businesses in the U.K. and China (formerly part of the Vendor Finance Segment)

North American Commercial Finance

- Real Estate Finance (formerly in Corporate Finance)

- Corporate Finance - Includes lending to the Aerospace and Defense sector (formerly Transportation Lending in Transportation Finance)

- Equipment Finance – Consists of Equipment Finance (formerly in Corporate Finance) and the U.S. and Canadian businesses formerly in Vendor Finance

- Commercial Services (formerly Trade Finance)

Non-Strategic Portfolios

- Small Business Lending (formerly in Corporate Finance)

- Non-Strategic portfolios from the former Vendor Finance business including:

Asia (excluding China)

Europe (excluding the U.K.)

Latin America (including Mexico)

The Dell Canada portfolio (sold in May 2011)

CIT Group Inc.
Financial Data Package
Table of Contents
Item	Page
Balance Sheet Data	4
Average Balance Sheet	5
Average Balance Sheet - Continued	6
Income Statement - Consolidated Data	7
Income Statement - Segment Data	8
Division Data	9
Financing and Leasing Assets	10
Financing and Leasing Assets - Division	11
Credit Metrics	12
Select Data & Ratios	13
CIT Bank - Select Financial Data	14
Non-GAAP Disclosures	15
Fresh Start Accounting	16
Financial Terms	17

3

CIT Group Inc.

Balance Sheet Data

(dollars in millions)                                 

3/31/2014 12/31/2013 9/30/2013 6/30/2013 3/31/2013 12/31/2012 9/30/2012 6/30/2012 3/31/2012 12/31/2013 12/31/2012 12/31/2011

Assets
Cash and interest bearing deposits	$	6,693.9		$	6,044.7		$	5,888.8		$	5,632.8		$	5,431.4		$	6,709.6		$	6,339.3		$	5,911.4		$	6,228.0		$	6,044.7		$	6,709.6		$	7,327.1
Investment securities		2,255.0			2,630.7			2,498.9			1,558.0			1,724.1			1,065.5			1,016.2			1,194.1			1,318.2			2,590.6			1,065.5			1,257.8
Assets held for sale		1,119.4			1,003.4			1,122.2			1,186.6			646.8			644.8			880.3			875.4			620.3			1,003.4			644.8			680.7
Loans		18,571.7			18,629.2			18,371.0			18,155.3			18,525.7			17,153.1			16,630.6			16,202.4			15,925.1			18,629.2			17,153.1			15,225.8
Allowance for loan losses		(352.6	)		(356.1	)		(356.1	)		(367.2	)		(386.0	)		(379.3	)		(397.9	)		(414.2	)		(420.0	)		(356.1	)		(379.3	)		(407.8	)
Total loans, net of allowance for loan losses		18,219.1			18,273.1			18,014.9			17,788.1			18,139.7			16,773.8			16,232.7			15,788.2			15,505.1			18,273.1			16,773.8			14,818.0
Operating lease equipment, net		14,182.4			13,035.4			12,577.1			12,326.2			12,290.6			12,411.7			12,086.7			11,911.2			11,918.9			13,035.4			12,411.7			12,006.4
Unsecured counterparty receivable		279.5			301.6			347.9			370.1			315.3			328.9			264.0			290.8			345.4			301.6			328.9			296.4
Goodwill		403.5			334.6			338.3			344.5			345.9			345.9			345.9			345.9			345.9			334.6			345.9			345.9
Other assets (1)		1,704.1			1,694.1			1,547.6			1,472.6			1,572.7			1,529.2			1,617.9			1,426.4			1,615.1			1,694.1			1,529.2			1,509.3
Assets of discontinued operation		3,721.2			3,821.4			3,888.3			3,952.1			4,096.9			4,202.6			4,817.1			5,062.8			6,284.7			3,861.5			4,202.6			7,021.8
Total Assets	$	48,578.1		$	47,139.0		$	46,224.0		$	44,631.0		$	44,563.4		$	44,012.0		$	43,600.1		$	42,806.2		$	44,181.6		$	47,139.0		$	44,012.0		$	45,263.4
Liabilities
Deposits	$	13,189.3		$	12,526.5		$	11,806.1		$	11,171.3		$	10,701.9		$	9,684.5		$	8,709.3		$	7,163.6		$	6,814.7		$	12,526.5		$	9,684.5		$	6,193.7
Credit balances of factoring clients		1,213.5			1,336.1			1,278.4			1,205.0			1,237.7			1,256.5			1,224.9			1,164.1			1,109.8			1,336.1			1,256.5			1,225.5
Other liabilities (2)		2,692.6			2,664.3			2,881.7			2,553.6			2,530.2			2,751.8			2,612.5			2,510.1			2,636.2			2,664.3			2,751.8			2,618.9
Long-term borrowings (3)		19,508.8			18,484.5			18,041.2			17,569.4			18,040.8			18,330.9			18,752.7			19,200.7			20,604.2			18,444.4			18,330.9			21,743.9
Liabilities of discontinued operation		3,172.1			3,277.6			3,362.9			3,446.2			3,550.7			3,648.8			4,186.9			4,369.8			4,546.0			3,317.7			3,648.8			4,595.3
Total Liabilities	$	39,776.3		$	38,289.0		$	37,370.3		$	35,945.5		$	36,061.3		$	35,672.5		$	35,486.3		$	34,408.3		$	35,710.9		$	38,289.0		$	35,672.5		$	36,377.3
Common stock	$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0		$	2.0
Paid-in capital		8,569.7			8,555.4			8,543.1			8,530.2			8,514.4			8,501.8			8,491.0			8,481.5			8,471.7			8,555.4			8,501.8			8,459.3
(Accumulated deficit) / Retained earnings		678.4			581.0			471.2			271.6			88.0			(74.6	)		(281.4	)		17.8			90.7			581.0			(74.6	)		517.7
Accumulated other comprehensive income (loss)		(76.0	)		(73.6	)		(88.0	)		(85.5	)		(83.3	)		(77.7	)		(86.0	)		(91.0	)		(80.3	)		(73.6	)		(77.7	)		(82.6	)
Treasury stock, at cost		(378.1	)		(226.0	)		(83.3	)		(41.1	)		(26.7	)		(16.7	)		(16.7	)		(16.5	)		(16.5	)		(226.0	)		(16.7	)		(12.8	)
Total Common Stockholders' Equity		8,796.0			8,838.8			8,845.0			8,677.2			8,494.4			8,334.8			8,108.9			8,393.8			8,467.6			8,838.8			8,334.8			8,883.6
Noncontrolling minority interests		5.8			11.2			8.7			8.3			7.7			4.7			4.9			4.1			3.1			11.2			4.7			2.5
Total Equity	$	8,801.8		$	8,850.0		$	8,853.7		$	8,685.5		$	8,502.1		$	8,339.5		$	8,113.8		$	8,397.9		$	8,470.7		$	8,850.0		$	8,339.5		$	8,886.1
Total Liabilities and Equity	$	48,578.1		$	47,139.0		$	46,224.0		$	44,631.0		$	44,563.4		$	44,012.0		$	43,600.1		$	42,806.2		$	44,181.6		$	47,139.0		$	44,012.0		$	45,263.4
(1) Other Assets
Deposits on commercial aerospace equipment	$	761.2		$	831.3		$	693.0		$	612.9		$	685.2		$	615.3		$	558.3		$	495.8		$	495.9		$	831.3		$	615.3		$	463.7
Other counterparty receivables		30.7			45.9			57.0			5.6			57.4			115.7			138.4			32.2			170.0			45.9			115.7			94.1
Deferred debt costs and other deferred charges		160.8			158.5			149.7			153.6			161.5			169.8			168.5			144.9			136.6			158.5			169.8			121.8
Tax receivable, other than income taxes		143.0			132.2			110.0			99.4			84.1			81.7			128.8			68.0			54.5			132.2			81.7			57.5
Executive retirement plan and deferred compensation		100.0			101.3			100.4			104.0			104.1			109.7			109.4			110.1			114.7			101.3			109.7			110.2
Accrued interest and dividends		29.8			33.0			31.3			31.5			31.0			27.5			31.3			28.8			25.1			33.0			27.5			17.8
Prepaid expenses		68.8			64.3			63.4			66.1			75.9			73.8			79.6			85.2			74.2			64.3			73.8			84.3
Furniture and fixtures		85.9			85.3			84.9			79.5			77.7			75.4			79.0			77.0			78.1			85.3			75.4			79.5
Other		323.9			242.3			257.9			320.0			295.8			260.3			324.6			384.4			466.0			242.3			260.3			480.4
Total Other Assets	$	1,704.1		$	1,694.1		$	1,547.6		$	1,472.6		$	1,572.7		$	1,529.2		$	1,617.9		$	1,426.4		$	1,615.1		$	1,694.1		$	1,529.2		$	1,509.3
(2) Other Liabilities
Valuation adjustment relating to aerospace commitments	$	128.3		$	137.5		$	142.4		$	158.9		$	184.9		$	188.1		$	207.6		$	210.9		$	239.7		$	137.5		$	188.1		$	252.8
Equipment maintenance reserves		915.2			904.2			879.8			862.6			860.9			850.0			804.5			756.0			719.1			904.2			850.0			690.6
Accrued expenses and accounts payable		363.1			478.1			501.3			455.1			462.1			554.0			527.1			571.0			649.8			478.1			554.0			624.3
Accrued interest payable		215.2			247.1			198.1			224.3			197.8			235.3			206.8			221.9			154.8			247.1			235.3			187.6
Security and other deposits		245.4			227.4			219.0			263.4			231.5			231.6			226.1			208.7			211.6			227.4			231.6			199.8
Current taxes payable and deferred taxes		316.6			179.8			158.8			134.1			157.4			185.5			125.2			121.1			87.4			179.8			185.5			38.7
Other liabilities		508.8			490.2			782.3			455.2			435.6			507.3			515.2			420.5			573.8			490.2			507.3			625.1
Total Other Liabilities	$	2,692.6		$	2,664.3		$	2,881.7		$	2,553.6		$	2,530.2		$	2,751.8		$	2,612.5		$	2,510.1		$	2,636.2		$	2,664.3		$	2,751.8		$	2,618.9
(3) Long-term Borrowings
Secured borrowings	$	5,976.5		$	5,952.9		$	5,509.8		$	5,779.9		$	6,239.1		$	6,506.8		$	6,417.8		$	5,770.2		$	5,772.8		$	5,952.9		$	6,506.8		$	21,743.9
Credit facility		-			-			-			-			-			-			500.0			500.0			-			-			-			-
Senior unsecured		13,532.3			12,531.6			12,531.4			11,789.5			11,801.7			11,824.1			11,834.9			12,930.5			14,831.4			12,491.5			11,824.1			-
Total Long-term Borrowings	$	19,508.8		$	18,484.5		$	18,041.2		$	17,569.4		$	18,040.8		$	18,330.9		$	18,752.7		$	19,200.7		$	20,604.2		$	18,444.4		$	18,330.9		$	21,743.9

4

CIT Group Inc.

Average Balance Sheet, Net Interest Income and Yields / Rates

(dollars in millions)

	1Q 14								2013								2012									2011
	Average Balance			Revenue / Expense		Average Rate (%)			Average Balance			Revenue / Expense		Average Rate (%)			Average Balance			Revenue / Expense			Average Rate (%)			Average Balance			Revenue / Expense		Average Rate (%)
Interest bearing deposits	$	5,188.9		$	4.6		0.35	%	$	5,531.6		$	16.6		0.30	%	$	6,420.1		$	21.6			0.34	%	$	6,588.2		$	24.1		0.37	%
Investments		2,499.7			4.2		0.67	%		1,886.0			12.3		0.65	%		1,316.7			10.5			0.80	%		1,962.3			10.6		0.54	%
Loans (including held for sale)
U.S.		15,816.3			214.4		5.90	%		14,618.0			855.3		6.40	%		12,403.4			953.6			8.51	%		11,806.6			1,348.4		12.59	%
Non-U.S.		3,736.7			79.0		8.45	%		4,123.6			371.0		9.00	%		4,029.1			408.3			10.13	%		4,566.2			588.8		12.89	%
Total Loans		19,553.0			293.4		6.42	%		18,741.6			1,226.3		7.01	%		16,432.5			1,361.9			8.94	%		16,372.8			1,937.2		12.68	%
Total interest earning assets / interest income		27,241.6			302.2		4.65	%		26,159.2			1,255.2		5.04	%		24,169.3			1,394.0			6.07	%		24,923.3			1,971.9		8.28	%
Operating lease equipment, net (including held for sale)
U.S.		7,349.6			156.2		8.50	%		6,559.0			613.1		9.35	%		6,139.0			596.9			9.72	%		5,186.7			428.1		8.25	%
Non-U.S.		6,551.2			135.3		8.26	%		6,197.1			580.6		9.37	%		6,299.0			651.3			10.34	%		6,220.0			661.1		10.63	%
Total operating lease equipment, net		13,900.8			291.5		8.39	%		12,756.1			1,193.7		9.36	%		12,438.0			1,248.2			10.04	%		11,406.7			1,089.2		9.55	%
Total earning assets		41,142.4			593.7		5.96	%		38,915.3			2,448.9		6.50	%		36,607.3			2,642.2			7.46	%		35,330.0			3,061.1		8.69	%
Non-interest earning assets
Cash and due from banks		1,055.0								522.1								441.2									1,216.6
Allowance for loan losses		(357.8	)							(367.8	)							(405.1	)								(412.0	)
All other non-interest bearing assets		2,357.3								2,215.3								2,228.2									2,760.1
Assets of discontinued operation		3,792.3								4,016.3								5,420.7									8,145.9
Total Average Assets	$	47,989.2							$	45,301.2							$	44,292.3								$	48,040.6
Borrowings
Deposits	$	12,812.2		$	51.9		1.62	%	$	11,212.1		$	179.8		1.60	%	$	7,707.9		$	152.5			1.98	%	$	4,796.6		$	111.2		2.32	%
Long-term borrowings		19,022.1			220.0		4.63	%		18,044.5			881.1		4.88	%		19,964.5			2,513.2			12.59	%		25,752.0			2,393.0		9.29	%
Total interest-bearing liabilities		31,834.3			271.9		3.42	%		29,256.6			1,060.9		3.63	%		27,672.4			2,665.7			9.63	%		30,548.6			2,504.2		8.20	%
Credit balances of factoring clients		1,276.3								1,258.6								1,194.4									1,098.1
Other non-interest bearing liabilities		2,819.6								2,638.2								2,642.7									2,800.1
Liabilities of discontinued operation		3,240.1								3,474.2								4,293.8									4,633.5
Noncontrolling interests		11.1								9.2								5.0									1.1
Stockholders' equity		8,807.8								8,664.4								8,484.0									8,959.2
Total Average Liabilities and Stockholders' Equity	$	47,989.2							$	45,301.2							$	44,292.3								$	48,040.6
Net revenue spread							2.54	%							2.87	%								-2.17	%							0.49	%
Impact of non-interest bearing sources							0.69	%							0.82	%								2.11	%							1.09	%
Net revenue / yield on earning assets				$	321.8		3.23	%				$	1,388.0		3.69	%				$	(23.5	)		-0.06	%				$	556.9		1.58	%

5

CIT Group Inc.

Average Balance Sheet, Net Interest Income and Yields / Rates

(dollars in millions)     

		4Q 13						3Q13								2Q 13							1Q 13
		Average Balance			Revenue / Expense	Average Rate (%)			Average Balance			Revenue / Expense	Average Rate (%)			Average Balance			Revenue / Expense	Average Rate (%)			Average Balance			Revenue / Expense	Average Rate (%)
Interest bearing deposits	$	5,554.6		$	4.8	0.35	%	$	5,188.7		$	4.0	0.31	%	$	5,281.9		$	4.3	0.33	%	$	5,755.7		$	3.5	0.24	%
Investments		2,338.8			3.8	0.66	%		2,041.3			2.8	0.55	%		1,658.3			2.8	0.68	%		1,536.2			2.9	0.76	%
Loans (including held for sale)
U.S.		15,323.4			210.5	6.02	%		14,943.2			209.6	6.13	%		14,549.5			214.9	6.45	%		13,788.6			220.3	7.00	%
Non-U.S.		3,982.0			88.1	8.85	%		4,189.3			90.0	8.59	%		4,188.6			97.1	9.27	%		4,182.5			95.8	9.16	%
Total Loans		19,305.4			298.6	6.65	%		19,132.5			299.6	6.71	%		18,738.1			312.0	7.12	%		17,971.1			316.1	7.53	%
Total interest earning assets / interest income		27,198.8			307.2	4.75	%		26,362.5			306.4	4.88	%		25,678.3			319.1	5.22	%		25,263.0			322.5	5.36	%
Operating lease equipment, net (including held for sale)
U.S.		6,885.6			160.7	9.34	%		6,497.9			148.2	9.12	%		6,447.0			156.8	9.73	%		6,391.2			147.4	9.23	%
Non-U.S.		6,033.3			124.6	8.26	%		6,155.1			149.1	9.69	%		6,267.5			153.6	9.80	%		6,343.4			153.3	9.67	%
Total operating lease equipment, net		12,918.9			285.3	8.83	%		12,653.0			297.3	9.40	%		12,714.5			310.4	9.77	%		12,734.6			300.7	9.45	%
Total earning assets		40,117.7			592.5	6.11	%		39,015.5			603.7	6.40	%		38,392.8			629.5	6.77	%		37,997.6			623.2	6.77	%
Non-interest earning assets
Cash and due from banks		730.4							672.8							429.6							299.0
Allowance for loan losses		(355.2	)						(363.4	)						(376.0	)						(378.1	)
All other non-interest bearing assets		2,257.0							2,216.9							2,183.2							2,206.3
Assets of discontinued operation		3,876.2							3,940.1							4,055.1							4,166.0
Total Average Assets	$	46,626.1						$	45,481.9						$	44,684.7						$	44,290.8
Borrowings
Deposits	$	12,148.5		$	48.4	1.60	%	$	11,501.4		$	44.2	1.54	%	$	11,009.6		$	44.8	1.63	%	$	10,199.7		$	42.3	1.66	%
Long-term borrowings		18,235.9			219.1	4.81	%		17,808.3			212.5	4.77	%		17,817.5			217.8	4.89	%		18,195.7			231.8	5.10	%
Total interest-bearing liabilities		30,384.4			267.5	3.52	%		29,309.7			256.7	3.50	%		28,827.1			262.6	3.64	%		28,395.4			274.1	3.86	%
Credit balances of factoring clients		1,346.5							1,264.8							1,222.2							1,187.3
Other non-interest bearing liabilities		2,695.6							2,699.6							2,504.8							2,665.3
Liabilities of discontinued operation		3,333.4							3,418.1							3,515.9							3,613.7
Noncontrolling interests		10.6							9.8							9.1							6.7
Stockholders' equity		8,855.6							8,779.9							8,605.6							8,422.4
Total Average Liabilities and Stockholders' Equity	$	46,626.1						$	45,481.9						$	44,684.7						$	44,290.8
Net revenue spread						2.59	%						2.90	%						3.13	%						2.91	%
Impact of non-interest bearing sources						0.76	%						0.78	%						0.82	%						0.88	%
Net revenue / yield on earning assets				$	325.0	3.35	%				$	347.0	3.68	%				$	366.9	3.95	%				$	349.1	3.79	%

		4Q 13						3Q13									2Q 13							1Q 13
		Average Balance			Revenue / Expense	Average Rate (%)			Average Balance			Revenue / Expense		Average Rate (%)			Average Balance			Revenue / Expense	Average Rate (%)			Average Balance			Revenue / Expense		Average Rate (%)
Interest bearing deposits	$	6,216.3		$	6.0	0.39	%	$	6,776.5		$	5.7		0.34	%	$	6,328.3		$	5.1	0.32	%	$	5,912.3		$	4.8		0.32	%
Investments		1,063.0			2.5	0.94	%		1,115.3			2.2		0.79	%		1,273.8			2.9	0.91	%		1,709.2			2.9		0.68	%
Loans (including held for sale)
U.S.		12,998.7			214.4	7.31	%		12,703.3			215.9		7.50	%		12,194.7			251.0	9.10	%		11,822.7			272.3		10.20	%
Non-U.S.		4,108.7			98.9	9.63	%		3,965.9			107.5		10.84	%		4,024.7			104.2	10.36	%		4,017.2			97.7		9.73	%
Total Loans		17,107.4			313.3	7.91	%		16,669.2			323.4		8.36	%		16,219.4			355.2	9.43	%		15,839.9			370.0		10.07	%
Total interest earning assets / interest income		24,386.7			321.8	5.57	%		24,561.0			331.3		5.67	%		23,821.5			363.2	6.41	%		23,461.4			377.7		6.77	%
Operating lease equipment, net (including held for sale)
U.S.		6,256.6			161.2	10.31	%		6,302.6			147.5		9.36	%		6,149.2			149.1	9.70	%		5,886.1			139.1		9.45	%
Non-U.S.		6,362.8			159.7	10.04	%		6,252.1			163.0		10.43	%		6,207.0			165.5	10.67	%		6,334.2			163.1		10.30	%
Total operating lease equipment, net		12,619.4			320.9	10.17	%		12,554.7			310.5		9.89	%		12,356.2			314.6	10.18	%		12,220.3			302.2		9.89	%
Total earning assets		37,006.1			642.7	7.19	%		37,115.7			641.8		7.15	%		36,177.7			677.8	7.74	%		35,681.7			679.9		7.87	%
Non-interest earning assets
Cash and due from banks		323.2							372.0								345.8							644.6
Allowance for loan losses		(392.4	)						(406.6	)							(415.1	)						(410.6	)
All other non-interest bearing assets		2,187.6							2,144.4								2,237.2							2,327.4
Assets of discontinued operation		4,517.9							4,980.2								5,488.8							6,671.3
Total Average Assets	$	43,642.4						$	44,205.7							$	43,834.4						$	44,914.4
Borrowings
Deposits	$	9,270.1		$	42.5	1.83	%	$	7,977.5		$	38.4		1.93	%	$	6,922.6		$	35.3	2.04	%	$	6,552.5		$	36.3		2.22	%
Long-term borrowings		18,381.5			227.3	4.95	%		19,714.8			734.5		14.90	%		20,247.4			572.5	11.31	%		21,180.2			978.9		18.49	%
Total interest-bearing liabilities		27,651.6			269.8	3.90	%		27,692.3			772.9		11.16	%		27,170.0			607.8	8.95	%		27,732.7			1,015.2		14.64	%
Credit balances of factoring clients		1,261.9							1,190.7								1,160.4							1,143.4
Other non-interest bearing liabilities		2,661.2							2,638.2								2,567.2							2,662.0
Liabilities of discontinued operation		3,829.0							4,317.5								4,491.9							4,591.9
Noncontrolling interests		5.5							5.7								4.5							3.7
Stockholders' equity		8,233.2							8,361.3								8,440.4							8,780.7
Total Average Liabilities and Stockholders' Equity	$	43,642.4						$	44,205.7							$	43,834.4						$	44,914.4
Net revenue spread						3.29	%							-4.01	%						-1.21	%							-6.77	%
Impact of non-interest bearing sources						0.88	%							2.56	%						2.01	%							2.89	%
Net revenue / yield on earning assets				$	372.9	4.17	%				$	(131.1	)	-1.45	%				$	70.0	0.80	%				$	(335.3	)	-3.88	%

6

CIT Group Inc.

Income Statement - Consolidated Data

(dollars in millions, except per share data)  

				1Q14			4 Q13			3 Q13			2 Q13			1 Q13			4 Q12			3 Q12			2 Q 12			1 Q 12			2013			2012			2011
Interest income			$	302.2		$	307.2		$	306.4		$	319.1		$	322.5		$	321.8		$	331.3		$	363.2		$	377.7		$	1,255.2		$	1,394.0		$	1,971.9
Rental income on operating leases				491.9			463.8			472.9			484.3			476.4			480.3			475.1			475.5			469.9			1,897.4			1,900.8			1,785.6
		Finance Revenue		794.1			771.0			779.3			803.4			798.9			802.1			806.4			838.7			847.6			3,152.6			3,294.8			3,757.5
Interest expense				(271.9	)		(267.5	)		(256.7	)		(262.6	)		(274.1	)		(269.8	)		(772.9	)		(607.8	)		(1,015.2	)		(1,060.9	)		(2,665.7	)		(2,504.2	)
Depreciation on operating lease equipment				(148.8	)		(139.5	)		(134.2	)		(133.6	)		(133.3	)		(127.5	)		(126.5	)		(125.3	)		(133.9	)		(540.6	)		(513.2	)		(538.6	)
Maintenance and other operating lease expenses*				(51.6	)		(39.0	)		(41.4	)		(40.3	)		(42.4	)		(31.9	)		(38.1	)		(35.6	)		(33.8	)		(163.1	)		(139.4	)		(157.8	)
		Net Finance Revenue		321.8			325.0			347.0			366.9			349.1			372.9			(131.1	)		70.0			(335.3	)		1,388.0			(23.5	)		556.9
Other income (1)				71.1			127.6			104.5			79.2			70.0			152.4			85.6			123.1			253.6			381.3			614.7			954.2
		Total Net Revenues		392.9			452.6			451.5			446.1			419.1			525.3			(45.5	)		193.1			(81.7	)		1,769.3			591.2			1,511.1
Provision for credit losses				(36.7	)		(14.4	)		(16.4	)		(14.6	)		(19.5	)		-			-			(8.9	)		(42.5	)		(64.9	)		(51.4	)		(269.7	)
		Net revenue, after credit provision		356.2			438.2			435.1			431.5			399.6			525.3			(45.5	)		184.2			(124.2	)		1,704.4			539.8			1,241.4
Operating expenses (2)				(233.5	)		(284.4	)		(228.8	)		(226.1	)		(230.9	)		(226.8	)		(229.1	)		(220.8	)		(217.3	)		(970.2	)		(894.0	)		(860.7	)
Gain / (loss) on debt extinguishments				-			-			-			-			-			-			(16.8	)		(21.5	)		(22.9	)		-			(61.2	)		(134.8	)
		Income / (Loss) from continuing operations before provision for
		income taxes		122.7			153.8			206.3			205.4			168.7			298.5			(291.4	)		(58.1	)		(364.4	)		734.2			(415.4	)		245.9
Provision for income taxes				(13.5	)		(28.6	)		(13.2	)		(29.3	)		(12.8	)		(37.0	)		(2.7	)		(38.5	)		(38.5	)		(83.9	)		(116.7	)		(157.0	)
		Income / (loss) from continuing operations, before attribution of
		noncontrolling interests		109.2			125.2			193.1			176.1			155.9			261.5			(294.1	)		(96.6	)		(402.9	)		650.3			(532.1	)		88.9
Net loss (income) attributable to noncontrolling interests, after tax				5.7			(2.2	)		(0.2	)		(0.5	)		(3.0	)		(0.8	)		(0.8	)		(1.2	)		(0.9	)		(5.9	)		(3.7	)		(5.0	)
Income (loss) from continuing operations				114.9			123.0			192.9			175.6			152.9			260.7			(294.9	)		(97.8	)		(403.8	)		644.4			(535.8	)		83.9
Discontinued operation
		Income / (loss) from discontinued operation		3.0			9.5			7.4			10.9			12.1			(46.7	)		(3.1	)		31.8			(21.4	)		39.9			(39.4	)		(67.5	)
		Provision for income taxes		(0.7	)		(2.6	)		(0.7	)		(2.9	)		(2.4	)		(7.2	)		(1.2	)		(6.9	)		(1.8	)		(8.6	)		(17.1	)		(1.6	)
		Income (loss) from discontinued operation, net of taxes		2.3			6.9			6.7			8.0			9.7			(53.9	)		(4.3	)		24.9			(23.2	)		31.3			(56.5	)		(69.1	)
Net income / (loss)			$	117.2		$	129.9		$	199.6		$	183.6		$	162.6		$	206.8		$	(299.2	)	$	(72.9	)	$	(427.0	)	$	675.7		$	(592.3	)	$	14.8
Earnings / (Loss) per common share:
Basic earnings per share
		Income from continuing operations	$	0.59		$	0.62		$	0.96		$	0.87		$	0.76		$	1.30		$	(1.47	)	$	(0.49	)	$	(2.01	)	$	3.21		$	(2.67	)	$	0.42
		Income (loss) from discontinued operation, net of taxes	$	0.01		$	0.03		$	0.03		$	0.04		$	0.05		$	(0.27	)	$	(0.02	)	$	0.13		$	(0.12	)	$	0.16		$	(0.28	)	$	(0.35	)
		Basic earnings per share	$	0.60		$	0.65		$	0.99		$	0.91		$	0.81		$	1.03		$	(1.49	)	$	(0.36	)	$	(2.13	)	$	3.37		$	(2.95	)	$	0.07
Diluted earnings per share
		Income from continuing operations	$	0.58		$	0.61		$	0.95		$	0.87		$	0.76		$	1.30		$	(1.47	)	$	(0.49	)	$	(2.01	)	$	3.19		$	(2.67	)	$	0.42
		Income (loss) from discontinued operation, net of taxes	$	0.01		$	0.04		$	0.04		$	0.04		$	0.05		$	(0.27	)	$	(0.02	)	$	0.13		$	(0.12	)	$	0.16		$	(0.28	)	$	(0.35	)
		Diluted earnings per share	$	0.59		$	0.65		$	0.99		$	0.91		$	0.81		$	1.03		$	(1.49	)	$	(0.36	)	$	(2.13	)	$	3.35		$	(2.95	)	$	0.07
(1	)	Other Income
		Factoring commissions	$	28.6		$	31.0		$	32.3		$	29.0		$	30.0		$	32.2		$	33.1		$	28.9		$	32.3		$	122.3		$	126.5		$	132.5
		Gains on sales of leasing equipment		8.4			43.7			30.7			33.8			22.3			40.5			34.6			23.1			19.4			130.5			117.6			148.4
		Fee revenue		21.6			28.4			25.3			27.4			20.4			22.7			18.6			22.6			22.2			101.5			86.1			97.3
		Gains (losses) on loan and portfolio sales		3.5			24.3			23.5			(4.5	)		5.5			3.6			4.7			11.9			142.1			48.8			162.3			290.8
		Counterparty receivable accretion		2.0			2.9			0.9			1.9			2.9			40.3			3.0			36.0			9.4			8.6			88.7			101.4
		Recoveries of loans charged off pre-emergence and loans HFS		5.2			5.1			6.3			6.3			4.2			17.4			8.6			18.0			10.3			21.9			54.3			124.1
		Gains (losses) on investments		3.5			3.6			1.0			1.2			2.4			11.9			5.0			4.3			19.0			8.2			40.2			45.7
		Gains (losses) on derivatives & foreign exchange		(7.1	)		(1.7	)		0.9			2.4			(0.6	)		(0.7	)		0.5			(3.3	)		(2.2	)		1.0			(5.7	)		(5.2	)
		Impairment on assets held for sale		(1.1	)		(34.7	)		(44.6	)		(22.1	)		(22.6	)		(37.4	)		(27.7	)		(28.4	)		(21.6	)		(124.0	)		(115.1	)		(89.0	)
		Other revenue		6.5			25.0			28.2			3.8			5.5			21.9			5.2			10.0			22.7			62.5			59.8			108.2
		Total Other Income	$	71.1		$	127.6		$	104.5		$	79.2		$	70.0		$	152.4		$	85.6		$	123.1		$	253.6		$	381.3		$	614.7		$	954.2
(2	)	Operating Expenses
		Compensation and benefits	$	138.9		$	129.8		$	133.0		$	135.8		$	136.8		$	129.5		$	138.1		$	136.3		$	133.2		$	535.4		$	537.1		$	490.5
		Technology		21.1			21.1			22.3			20.1			19.8			25.6			19.4			17.8			18.8			83.3			81.6			75.1
		Professional fees		18.0			19.1			19.5			12.1			18.4			13.3			17.8			13.1			19.6			69.1			63.8			120.0
		Advertising and marketing		7.9			7.5			3.7			6.3			7.7			9.2			10.2			11.2			5.9			25.2			36.5			10.5
		Net occupancy expense		8.9			8.3			9.0			8.6			9.4			8.0			9.2			9.8			9.1			35.3			36.1			38.7
		Provision for severance and facilities exiting activities		9.9			18.5			3.2			9.5			5.7			11.7			5.0			1.5			4.5			36.9			22.7			13.1
		Other expenses**		28.8			80.1			38.1			33.7			33.1			29.5			29.4			31.1			26.2			185.0			116.2			112.8
		Total Operating Expenses	$	233.5		$	284.4		$	228.8		$	226.1		$	230.9		$	226.8		$	229.1		$	220.8		$	217.3		$	970.2		$	894.0		$	860.7

* Previously included in rental income on operating leases and depreciation on operating lease equipment.

** Includes $45 million in 4Q13 and $5 million in 3Q13 related to the settlement of the Tyco Tax Agreement.

7

CIT Group Inc.
Income Statement - Segment Data
(dollars in millions)

		1Q 14			4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 12			2Q 12			1Q 12				2013			2012			2011
Transportation & International Finance
Interest income	$	76.7		$	69.6		$	66.1		$	62.6		$	56.6		$	52.4		$	53.3		$	52.0			$	60.5		$	254.9		$	218.2		$	236.1
Rental income on operating leases		459.6			425.7			415.5			423.8			417.4			421.7			419.4			416.6			408.6				1,682.4			1,666.3			1,514.3
Interest expense		(160.7	)	(151.1		)		(146.4	)		(143.9	)		(144.1	)		(124.4	)		(405.0	)		(308.8	)		(493.3		)		(585.5	)		(1,331.5	)		(965.8	)
Depreciation on operating lease equipment		(121.7	)	(113.0		)		(106.1	)		(106.2	)		(108.0	)		(103.0	)		(101.1	)		(99.3	)		(107.5		)		(433.3	)		(410.9	)		(363.1	)
Maintenance and other operating lease expenses*		(51.6	)		(39.0	)		(41.4	)		(40.2	)		(42.4	)		(31.8	)		(38.1	)		(35.6	)			(33.8	)		(163.0	)		(139.3	)		(157.8	)
Net finance revenue		202.3			192.2			187.7			196.1			179.5			214.9			(71.5	)		24.9			(165.5		)		755.5			2.8			263.7
Other income		7.2			7.1			31.4			26.9			16.8			11.9			19.3			19.1				15.5			82.2			65.8			118.4
Provision for credit losses		(12.4	)		(14.6	)		(6.0	)		(3.7	)		5.6			(3.1	)		(13.0	)		(5.4	)			7.0			(18.7	)		(14.5	)		(20.5	)
Other expenses - including gain / (loss) on debt extinguishment		(79.5	)		(67.9	)		(62.5	)		(61.5	)		(63.4	)		(57.1	)		(54.5	)		(52.7	)			(56.0	)		(255.3	)		(220.3	)		(198.0	)
Income (Loss) before taxes & noncontrolling interests		117.6			116.8			150.6			157.8			138.5			166.6			(119.7	)		(14.1	)		(199.0		)		563.7			(166.2	)		163.6
North American Commercial Finance
Interest income	$	193.4		$	199.7		$	199.6		$	210.0		$	219.3		$	220.7		$	228.1		$	260.7		$	267.0			$	828.6		$	976.5		$	1,460.9
Rental income on operating leases		22.8			27.2			27.2			25.8			23.8			24.3			22.3			25.7				27.1			104.0			99.4			101.2
Interest expense		(68.9	)		(67.2	)		(66.9	)		(71.6	)		(78.6	)		(85.0	)		(188.0	)		(173.9	)		(304.0		)		(284.3	)		(750.9	)		(954.3	)
Depreciation on operating lease equipment		(21.9	)		(20.4	)		(19.8	)		(18.6	)		(16.3	)		(16.7	)		(18.0	)		(18.4	)			(18.8	)		(75.1	)		(71.9	)		(98.3	)
Maintenance and other operating lease expenses*		-			-			-			-			-			-			-			-				-			-			-			-
Net finance revenue		125.4			139.3			140.1			145.6			148.2			143.3			44.4			94.1				(28.7	)		573.2			253.1			509.5
Other income		61.8			106.5			71.5			64.8			63.7			129.8			70.6			112.6			242.2				306.5			555.2			725.2
Provision for credit losses		(23.2	)		2.5			(8.3	)		(4.8	)		(24.9	)		6.4			9.7			(10.1	)			(50.0	)		(35.5	)		(44.0	)		(228.4	)
Other expenses - including gain / (loss) on debt extinguishment		(121.5	)	(113.3		)		(119.7	)		(118.4	)		(128.1	)		(115.9	)		(125.3	)		(123.3	)		(132.5		)		(479.5	)		(497.0	)		(448.5	)
Income (Loss) before taxes & noncontrolling interests		42.5			135.0			83.6			87.2			58.9			163.6			(0.6	)		73.3				31.0			364.7			267.3			557.8
Non-Strategic Portfolios
Interest income	$	28.4		$	33.5		$	37.0		$	42.8		$	43.9		$	43.7		$	45.0		$	46.0			$	45.6		$	157.2		$	180.3		$	254.1
Rental income on operating leases		9.5			10.9			30.2			34.7			35.2			34.3			33.4			33.2				34.2			111.0			135.1			170.1
Interest expense		(24.9	)		(30.7	)		(29.9	)		(32.8	)		(36.8	)		(30.7	)		(74.0	)		(60.8	)			(96.9	)		(130.2	)		(262.4	)		(258.4	)
Depreciation on operating lease equipment		(5.2	)		(6.1	)		(8.3	)		(8.8	)		(9.0	)		(7.8	)		(7.4	)		(7.6	)			(7.6	)		(32.2	)		(30.4	)		(77.2	)
Maintenance and other operating lease expenses*		-			-			-			(0.1	)		-			(0.1	)		-			-				-			(0.1	)		(0.1	)		-
Net finance revenue		7.8			7.6			29.0			35.8			33.3			39.4			(3.0	)		10.8				(24.7	)		105.7			22.5			88.6
Other income		4.4			12.4			(1.1	)		(16.0	)		(9.9	)		9.2			(7.2	)		(3.9	)			(7.2	)		(14.6	)		(9.1	)		108.0
Provision for credit losses		(1.0	)		(2.2	)		(2.2	)		(6.1	)		(0.3	)		(3.1	)		3.3			6.6				0.5			(10.8	)		7.3			(20.8	)
Other expenses - including gain / (loss) on debt extinguishment		(19.2	)		(34.2	)		(36.2	)		(34.2	)		(38.5	)		(33.5	)		(41.9	)		(32.7	)			(37.6	)		(143.1	)		(145.7	)		(170.1	)
Income (Loss) before taxes & noncontrolling interests		(8.0	)		(16.4	)		(10.5	)		(20.5	)		(15.4	)		12.0			(48.8	)		(19.2	)			(69.0	)		(62.8	)		(125.0	)		5.7
Corporate and Other
Interest income	$	3.7		$	4.4		$	3.7		$	3.7		$	2.7		$	5.0		$	4.9		$	4.5			$	4.6		$	14.5		$	19.0		$	20.8
Rental income on operating leases		-			-			-			-			-			-			-			-				-			-			-			-
Interest expense		(17.4	)		(18.5	)		(13.5	)		(14.3	)		(14.6	)		(29.7	)		(105.9	)		(64.3	)		(121.0		)		(60.9	)		(320.9	)		(325.7	)
Depreciation on operating lease equipment		-			-			-			-			-			-			-			-				-			-			-			-
Maintenance and other operating lease expenses*		-			-			-			-			-			-			-			-				-			-			-			-
Net finance revenue		(13.7	)		(14.1	)		(9.8	)		(10.6	)		(11.9	)		(24.7	)		(101.0	)		(59.8	)		(116.4		)		(46.4	)		(301.9	)		(304.9	)
Other income		(2.3	)		1.6			2.7			3.5			(0.6	)		1.5			2.9			(4.7	)			3.1			7.2			2.8			2.6
Provision for credit losses		(0.1	)		(0.1	)		0.1			-			0.1			(0.2	)		-			-				-			0.1			(0.2	)		-
Other expenses - including gain / (loss) on debt extinguishment		(13.3	)		(69.0	)		(10.4	)		(12.0	)		(0.9	)		(20.3	)		(24.2	)		(33.6	)			(14.1	)		(92.3	)		(92.2	)		(178.9	)
Income (Loss) before taxes & noncontrolling interests		(29.4	)		(81.6	)		(17.4	)		(19.1	)		(13.3	)		(43.7	)		(122.3	)		(98.1	)		(127.4		)		(131.4	)		(391.5	)		(481.2	)
Total
Interest income	$	302.2		$	307.2		$	306.4		$	319.1		$	322.5		$	321.8		$	331.3		$	363.2		$	377.7			$	1,255.2		$	1,394.0		$	1,971.9
Rental income on operating leases		491.9			463.8			472.9			484.3			476.4			480.3			475.1			475.5			469.9				1,897.4			1,900.8			1,785.6
Interest expense		(271.9	)	(267.5		)		(256.7	)		(262.6	)		(274.1	)		(269.8	)		(772.9	)		(607.8	)		(1,015.2		)		(1,060.9	)		(2,665.7	)		(2,504.2	)
Depreciation on operating lease equipment		(148.8	)	(139.5		)		(134.2	)		(133.6	)		(133.3	)		(127.5	)		(126.5	)		(125.3	)		(133.9		)		(540.6	)		(513.2	)		(538.6	)
Maintenance and other operating lease expenses*		(51.6	)		(39.0	)		(41.4	)		(40.3	)		(42.4	)		(31.9	)		(38.1	)		(35.6	)			(33.8	)		(163.1	)		(139.4	)		(157.8	)
Net finance revenue		321.8			325.0			347.0			366.9			349.1			372.9			(131.1	)		70.0			(335.3		)		1,388.0			(23.5	)		556.9
Other income		71.1			127.6			104.5			79.2			70.0			152.4			85.6			123.1			253.6				381.3			614.7			954.2
Provision for credit losses		(36.7	)		(14.4	)		(16.4	)		(14.6	)		(19.5	)		-			-			(8.9	)			(42.5	)		(64.9	)		(51.4	)		(269.7	)
Other expenses - including gain / (loss) on debt extinguishment		(233.5	)	(284.4		)		(228.8	)		(226.1	)		(230.9	)		(226.8	)		(245.9	)		(242.3	)		(240.2		)		(970.2	)		(955.2	)		(995.5	)
Income (Loss) before taxes & noncontrolling interests		122.7			153.8			206.3			205.4			168.7			298.5			(291.4	)		(58.1	)		(364.4		)		734.2			(415.4	)		245.9

* Previously included in rental income on operating leases and depreciation on operating lease equipment.                                                          

8

CIT Group Inc.
Division Data
(dollars in millions)

	1Q 14		4Q 13		3Q 13		2Q 13		1Q 13		4Q 12		3Q 12		2Q 12		1Q 12		2013		2012		2011
Transportation & International Finance
Average Earning Assets (AEA)
Aerospace	9,773.9		9,346.0		9,146.4		9,346.6		9,400.0		9,390.6		9,427.8		9,372.9		9,250.3		9,317.9		9,358.3		8,320.0
Rail	5,137.9		4,515.5		4,339.9		4,254.2		4,212.2		4,104.3		3,971.1		3,839.0		3,720.4		4,332.4		3,905.3		3,654.2
Maritime	473.9		376.4		350.0		305.7		208.3		-		-		-		-		300.1		-		-
International Finance	1,734.0		1,690.9		1,581.5		1,409.9		1,263.5		1,172.7		1,044.6		954.5		856.7		1,484.2		1,005.6		717.9
Gross Yield (1)
Aerospace	12.56	%	12.14	%	12.25	%	12.40	%	12.18	%	12.29	%	12.51	%	12.67	%	12.65	%	12.23	%	12.53	%	13.28	%
Rail	14.56	%	14.67	%	14.77	%	14.75	%	14.58	%	14.91	%	14.74	%	14.90	%	14.87	%	14.69	%	14.87	%	13.98	%
Maritime Finance	4.88	%	9.53	%	5.97	%	7.12	%	7.44	%	-		-		-		-		7.83	%	-		-
International Finance	8.46	%	8.81	%	9.13	%	9.77	%	9.58	%	11.11	%	12.08	%	11.98	%	17.82	%	9.30	%	13.01	%	18.79	%
Total
AEA	17,119.7		15,928.8		15,417.8		15,316.4		15,084.0		14,667.6		14,443.5		14,166.4		13,827.4		15,434.6		14,269.2		12,692.1
Gross Yield	12.53	%	12.44	%	12.49	%	12.70	%	12.57	%	12.93	%	13.09	%	13.23	%	13.57	%	12.55	%	13.21	%	13.79	%
Net Finance Margin	4.73	%	4.83	%	4.87	%	5.12	%	4.76	%	5.86	%	-1.98	%	0.70	%	-4.79	%	4.89	%	0.02	%	2.08	%
Adjusted Net Finance Margin (2)	4.73	%	4.83	%	4.87	%	5.24	%	5.02	%	5.94	%	4.29	%	4.31	%	3.16	%	4.99	%	4.45	%	2.74	%
North American Commercial Finance
Average Earning Assets (AEA)
Real Estate Finance	1,592.9		1,391.9		1,291.3		1,069.9		773.1		477.1		318.9		192.0		44.2		1,119.0		257.5		68.7
Corporate Finance	6,991.6		6,916.2		6,767.7		6,607.4		6,538.5		6,474.2		6,370.8		6,128.8		5,986.7		6,710.2		6,229.5		5,938.2
Equipment Finance	4,239.5		4,212.4		4,141.7		4,106.8		3,915.3		3,745.3		3,768.5		3,778.0		3,861.9		4,083.3		3,787.8		4,317.6
Commercial Services	940.7		936.0		955.3		1,059.1		1,065.8		996.0		1,059.9		1,100.6		1,196.8		1,003.7		1,087.9		1,383.9
Gross Yield (1)
Real Estate Finance	3.99	%	4.02	%	4.22	%	4.08	%	4.31	%	4.38	%	3.76	%	3.94	%	1.98	%	4.19	%	4.01	%	14.06	%
Corporate Finance	5.02	%	5.34	%	5.38	%	5.94	%	6.58	%	6.76	%	7.10	%	9.39	%	9.45	%	5.80	%	8.15	%	13.25	%
Equipment Finance	9.54	%	10.25	%	10.53	%	10.92	%	11.51	%	12.42	%	12.67	%	13.39	%	14.29	%	10.82	%	13.20	%	16.03	%
Commercial Services	4.86	%	5.39	%	5.50	%	5.51	%	5.47	%	5.63	%	5.63	%	5.14	%	4.85	%	5.47	%	5.30	%	5.29	%
Total
AEA	13,764.7		13,456.5		13,156.0		12,843.2		12,292.7		11,692.6		11,518.1		11,199.4		11,089.6		12,916.2		11,362.7		11,708.4
Gross Yield	6.28	%	6.74	%	6.90	%	7.34	%	7.91	%	8.38	%	8.70	%	10.23	%	10.61	%	7.22	%	9.47	%	13.34	%
Net Finance Margin	3.64	%	4.14	%	4.26	%	4.53	%	4.82	%	4.90	%	1.54	%	3.36	%	-1.04	%	4.44	%	2.23	%	4.35	%
Adjusted Net Finance Margin (2)	3.64	%	4.14	%	4.26	%	4.61	%	5.02	%	4.99	%	6.23	%	6.40	%	6.66	%	4.50	%	6.06	%	4.89	%

(1) Gross Yield includes Rental Income plus Interest Income as a % of AEA.

(2) Excludes accelerated FSA on debt redemptions and OID.

9

CIT Group Inc.
Financing and Leasing Assets
(dollars in millions)

	3/31/2014		12/31/2013		9/30/2013		6/30/2013		3/31/2013		12/31/2012		9/30/2012		6/30/2012		3/31/2012		12/31/2013		12/31/2012		12/31/2011
Transportation & International Finance
Loans	$	3,553.5	$	3,494.4	$	3,239.5	$	3,114.6	$	2,958.0	$	2,556.5	$	2,353.6	$	2,224.9	$	2,150.5	$	3,494.4	$	2,556.5	$	1,848.1
Operating Lease Equipment, Net		13,926.9		12,778.5		12,303.5		12,041.9		12,024.6		12,178.0		11,869.4		11,696.8		11,697.7		12,778.5		12,178.0		11,770.7
Assets Held for Sale		92.6		158.5		82.4		273.4		214.1		173.6		371.4		394.5		161.6		158.5		173.6		84.0
Financing and Leasing Assets		17,573.0		16,431.4		15,625.4		15,429.9		15,196.7		14,908.1		14,594.4		14,316.2		14,009.8		16,431.4		14,908.1		13,702.8
North American Commercial Finance
Loans		14,902.8		14,693.1		14,454.2		14,049.1		14,094.2		13,084.4		12,777.7		12,499.9		12,256.2	$	14,693.1	$	13,084.4	$	11,894.7
Operating Lease Equipment, Net		210.1		240.5		228.4		218.5		183.8		150.9		145.0		147.5		150.7		240.5		150.9		169.4
Assets Held for Sale		67.0		38.2		32.2		18.1		8.5		42.1		90.8		76.1		37.8		38.2		42.1		186.6
Financing and Leasing Assets		15,179.9		14,971.8		14,714.8		14,285.7		14,286.5		13,277.4		13,013.5		12,723.5		12,444.7		14,971.8		13,277.4		12,250.7
Non-Strategic Portfolios
Loans		115.4		441.7		677.3		991.6		1,473.5		1,512.2		1,499.3		1,477.6		1,518.4	$	441.7	$	1,512.2	$	1,483.0
Operating Lease Equipment, Net		45.4		16.4		45.2		65.8		82.2		82.8		72.3		66.9		70.5		16.4		82.8		66.3
Assets Held for Sale		959.8		806.7		1,007.6		895.1		424.2		429.1		418.1		404.8		420.9		806.7		429.1		410.1
Financing and Leasing Assets		1,120.6		1,264.8		1,730.1		1,952.5		1,979.9		2,024.1		1,989.7		1,949.3		2,009.8		1,264.8		2,024.1		1,959.4
Total
Loans	$	18,571.7	$	18,629.2	$	18,371.0	$	18,155.3	$	18,525.7	$	17,153.1	$	16,630.6	$	16,202.4	$	15,925.1	$	18,629.2	$	17,153.1	$	15,225.8
Operating Lease Equipment, Net		14,182.4		13,035.4		12,577.1		12,326.2		12,290.6		12,411.7		12,086.7		11,911.2		11,918.9		13,035.4		12,411.7		12,006.4
Assets Held for Sale		1,119.4		1,003.4		1,122.2		1,186.6		646.8		644.8		880.3		875.4		620.3		1,003.4		644.8		680.7
Financing and Leasing Assets		33,873.5		32,668.0		32,070.3		31,668.1		31,463.1		30,209.6		29,597.6		28,989.0		28,464.3		32,668.0		30,209.6		27,912.9
	1Q14		4Q13		3Q13		2Q13		1Q13		4Q12		3Q12		2Q12		1W12		2013		2012		2011
Funded New Business Volume (by Segment)
Transportation & International Finance	$	1,054.6	$	1,265.7	$	982.0	$	907.3	$	423.0	$	914.7	$	650.8	$	790.7	$	469.5	$	3,578.0	$	2,825.7	$	2,759.3
North American Commercial Finance, excluding factoring		1,372.9		1,778.7		1,423.8		1,709.4		1,333.0		1,891.2		1,293.3		1,364.7		1,313.7		6,244.9		5,862.9		4,135.1
Non-Strategic Portfolios		51.8		98.1		169.6		259.9		185.4		251.5		227.1		215.8		217.2		713.0		911.6		909.3
New Business Volume, excluding factoring	$	2,479.3	$	3,142.5	$	2,575.4	$	2,876.6	$	1,941.4	$	3,057.4	$	2,171.2	$	2,371.2	$	2,000.4	$	10,535.9	$	9,600.2	$	7,803.7

10

CIT Group Inc.
Financing and Leasing Assets - Division
(dollars in millions)

	3/31/2014		12/31/2013		9/30/2013		6/30/2013		3/31/2013		12/31/2012		9/30/2012		6/30/2012		3/31/2012		12/31/2013		12/31/2012		12/31/2011
Transportation & International Finance
Aerospace
Loans	$	1,247.1	$	1,247.7	$	1,145.6	$	1,233.5	$	1,181.8	$	1,217.6	$	1,104.9	$	1,094.0	$	1,079.8	$	1,247.7	$	1,217.6	$	904.8
Operating Lease Equipment, Net		8,595.5		8,267.9		7,963.6		7,845.2		7,908.2		8,105.2		7,945.0		7,912.2		8,073.6		8,267.9		8,105.2		8,234.3
Assets Held for Sale		24.8		148.8		62.7		268.6		213.9		171.8		368.7		384.2		146.4		148.8		171.8		58.5
Financing and Leasing Assets		9,867.4		9,664.4		9,171.9		9,347.3		9,303.9		9,494.6		9,418.6		9,390.4		9,299.8		9,664.4		9,494.6		9,197.6
Rail
Loans		123.3		107.2		97.2		118.4		128.2		117.0		146.9		155.2		161.1	$	107.2	$	117.0	$	151.6
Operating Lease Equipment, Net		5,325.0		4,503.9		4,332.8		4,181.7		4,099.5		4,060.7		3,909.2		3,766.9		3,602.6		4,503.9		4,060.7		3,511.5
Assets Held for Sale		1.4		3.3		4.4		4.8		0.2		1.8		2.7		10.3		15.2		3.3		1.8		25.5
Financing and Leasing Assets		5,449.7		4,614.4		4,434.4		4,304.9		4,227.9		4,179.5		4,058.8		3,932.4		3,778.9		4,614.4		4,179.5		3,688.6
Maritime Finance
Loans		529.8		412.6		365.0		302.8		290.7		-		-		-		-	$	412.6	$	-	$	-
Operating Lease Equipment, Net		-		-		-		7.2		7.5		-		-		-		-		-		-		-
Assets Held for Sale		-		-		-		-		-		-		-		-		-		-		-		-
Financing and Leasing Assets		529.8		412.6		365.0		310.0		298.2		-		-		-		-		412.6		-		-
International Finance
Loans		1,653.3		1,726.9		1,631.7		1,459.9		1,357.3		1,221.9		1,101.8		975.7		909.6	$	1,726.9	$	1,221.9	$	791.7
Operating Lease Equipment, Net		6.4		6.7		7.1		7.8		9.4		12.1		15.2		17.7		21.5		6.7		12.1		24.9
Assets Held for Sale		66.4		6.4		15.3		-		-		-		-		-		-		6.4		-		-
Financing and Leasing Assets		1,726.1		1,740.0		1,654.1		1,467.7		1,366.7		1,234.0		1,117.0		993.4		931.1		1,740.0		1,234.0		816.6
North American Commercial Finance
Real Estate Finance
Loans		1,615.2		1,554.8		1,330.5		1,235.1		992.2		616.1		361.1		268.9		151.8	$	1,554.8	$	616.1	$	1.0
Operating Lease Equipment, Net		-		-		-		-		-		-		-		-		-		-		-		-
Assets Held for Sale		-		-		-		-		-		-		-		-		-		-		-		23.0
Financing and Leasing Assets		1,615.2		1,554.8		1,330.5		1,235.1		992.2		616.1		361.1		268.9		151.8		1,554.8		616.1		24.0
Corporate Finance
Loans		6,974.3		6,831.8		6,866.8		6,575.8		6,650.5		6,501.0		6,380.1		6,207.8		6,016.9	$	6,831.8	$	6,501.0	$	5,680.2
Operating Lease Equipment, Net		11.5		6.2		6.8		7.4		8.0		16.2		18.7		22.9		23.9		6.2		16.2		37.2
Assets Held for Sale		67.0		38.2		32.2		18.1		8.5		34.1		82.8		68.1		37.8		38.2		34.1		163.6
Financing and Leasing Assets		7,052.8		6,876.2		6,905.8		6,601.3		6,667.0		6,551.3		6,481.6		6,298.8		6,078.6		6,876.2		6,551.3		5,881.0
Equipment Finance
Loans		4,041.6		4,044.1		3,961.1		3,926.0		3,926.3		3,662.0		3,628.2		3,651.9		3,699.3	$	4,044.1	$	3,662.0	$	3,782.1
Operating Lease Equipment, Net		198.6		234.3		221.6		211.1		175.8		134.7		126.3		124.6		126.8		234.3		134.7		132.2
Assets Held for Sale		-		-		-		-		-		8.0		8.0		8.0		-		-		8.0		-
Financing and Leasing Assets		4,240.2		4,278.4		4,182.7		4,137.1		4,102.1		3,804.7		3,762.5		3,784.5		3,826.1		4,278.4		3,804.7		3,914.3
Commercial Services
Loans and Factoring Receivables		2,271.7		2,262.4		2,295.8		2,312.2		2,525.2		2,305.3		2,408.3		2,371.3		2,388.2	$	2,262.4	$	2,305.3	$	2,431.4
Operating Lease Equipment, Net		-		-		-		-		-		-		-		-		-		-		-		-
Assets Held for Sale		-		-		-		-		-		-		-		-		-		-		-		-
Financing and Leasing Assets		2,271.7		2,262.4		2,295.8		2,312.2		2,525.2		2,305.3		2,408.3		2,371.3		2,388.2		2,262.4		2,305.3		2,431.4

11

CIT Group Inc.
Credit Metrics
(dollars in millions, % of FR or average FR)

		1Q 14				4Q 13				3Q 13				2Q 13					1Q 13				4Q 12				3Q 12				2Q 12				1Q 12				2013					2012				2011
		$	%			$	%			$	%			$		%		$		%			$	%			$	%			$	%			$		%		$		%			$	%			$	%
Gross Charge-offs
Transportation & International Finance	$	14.3	1.61	%	$	13.0	1.55	%	$	7.5	0.93	%	$	1.3		0.17	%	$	4.2	0.60	%	$	2.9	0.48	%	$	6.0	1.06	%	$	4.7	0.87	%	$	2.1		0.42	%	$	26.0	0.84	%	$	15.7	0.71	%	$	18.0	1.06	%
North American Commercial Finance		22.6	0.61	%		10.4	0.28	%		16.4	0.46	%		17.3		0.50	%		14.2	0.42	%		24.6	0.76	%		24.6	0.78	%		17.8	0.58	%		31.9		1.06	%		58.3	0.42	%		98.9	0.80	%		301.5	2.44	%
Non-Strategic Portfolios		7.5	9.94	%		6.2	4.05	%		12.7	5.53	%		29.5		8.17	%		5.9	1.60	%		6.6	1.78	%		4.9	1.31	%		5.4	1.45	%		10.2		2.70	%		54.3	4.82	%		27.1	1.81	%		49.3	3.23	%
Total CIT (Continuing Operations)	$	44.4	0.95	%	$	29.6	0.64	%	$	36.6	0.80	%	$	48.1		1.04	%	$	24.3	0.55	%	$	34.1	0.81	%	$	35.5	0.87	%	$	27.9	0.70	%	$	44.2		1.14	%	$	138.6	0.76	%	$	141.7	0.88	%	$	368.8	2.36	%
Net Charge-offs
Transportation & International Finance	$	13.0	1.47	%	$	11.7	1.40	%	$	5.0	0.63	%	$	(0.9	)	-0.12	%	$	1.1	0.15	%	$	1.7	0.28	%	$	5.0	0.89	%	$	3.5	0.65	%	$	(3.2	)	-0.64	%	$	16.9	0.55	%	$	7.0	0.32	%	$	12.1	0.71	%
North American Commercial Finance		16.0	0.43	%		(2.3)	-0.06	%		10.7	0.30	%		4.3		0.12	%		5.8	0.17	%		11.5	0.36	%		11.9	0.38	%		10.8	0.35	%		18.3		0.61	%		18.5	0.13	%		52.5	0.42	%		221.3	1.79	%
Non-Strategic Portfolios		6.6	8.77	%		5.6	3.60	%		11.4	4.95	%		25.7		7.13	%		2.6	0.71	%		4.2	1.11	%		1.1	0.28	%		2.4	0.68	%		6.9		1.83	%		45.3	4.01	%		14.6	0.98	%		31.8	2.08	%
Total CIT (Continuing Operations)	$	35.6	0.76	%	$	15.0	0.32	%	$	27.1	0.59	%	$	29.1		0.63	%	$	9.5	0.22	%	$	17.4	0.41	%	$	18.0	0.44	%	$	16.7	0.42	%	$	22.0		0.57	%	$	80.7	0.44	%	$	74.1	0.46	%	$	265.2	1.70	%
	3/31/2014				12/31/2013				9/30/2013				6/30/2013					3/31/2013				12/31/2012				9/30/2012				6/30/2012				3/31/2012					12/31/2013				12/31/2012				12/31/2011
Non-accrual Loans
Transportation & International Finance	$	35.9	1.01	%	$	35.3	1.01	%	$	22.7	0.70	%	$	28.3		0.91	%	$	23.6	0.80	%	$	39.0	1.52	%	$	51.9	2.20	%	$	10.4	0.47	%	$	18.7		0.87	%	$	35.3	1.01	%	$	39.0	1.52	%	$	35.2	1.90	%
North American Commercial Finance		131.3	0.88	%		147.4	1.00	%		167.0	1.16	%		178.2		1.27	%		196.5	1.39	%		217.8	1.66	%		276.1	2.16	%		353.5	2.83	%		342.1		2.79	%		147.4	1.00	%		217.8	1.66	%		516.3	4.34	%
Non-Strategic Portfolios		51.2	44.37	%		58.0	13.14	%		68.6	10.13	%		72.0		7.26	%		74.0	5.01	%		73.3	4.85	%		83.7	5.58	%		90.6	6.13	%		120.8		7.95	%		58.0	13.14	%		73.3	4.85	%		149.9	10.11	%
Total CIT (Continuing Operations)	$	218.4	1.18	%	$	240.7	1.29	%	$	258.3	1.41	%	$	278.5		1.53	%	$	294.1	1.59	%	$	330.1	1.92	%	$	411.7	2.48	%	$	454.5	2.80	%	$	481.6		3.02	%	$	240.7	1.29	%	$	330.1	1.92	%	$	701.4	4.61	%

12

CIT Group Inc.
Selected Data & Ratios
(dollars in millions, except per share data)

	1Q 14			4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 12			2Q 12			1Q 12			2013			2012			2011
Average Balances:
Average Finance Receivables (AFR)	$	18,655.1		$	18,562.5		$	18,394.9		$	18,447.8		$	17,676.7		$	16,791.4		$	16,352.2		$	15,925.6		$	15,498.4		$	18,248.0		$	16,116.3		$	15,605.8
Average Earning Assets (AEA) (1)		32,070.2			30,753.0			30,418.2			30,121.4			29,376.1			28,353.1			27,922.6			27,336.7			26,903.5			30,122.4			27,608.6			26,681.8
Average Operating Leases (AOL)		13,735.8			12,757.1			12,383.9			12,295.8			12,369.1			12,210.7			12,017.3			12,014.5			11,973.6			12,463.8			12,072.9			11,228.9
Average Common Stockholders' Equity		8,807.8			8,855.6			8,779.9			8,605.6			8,422.4			8,233.2			8,361.3			8,440.4			8,780.7			8,664.4			8,484.0			8,883.6
Average number of Common Shares - Basic (000's)		196,089			198,774			200,811			201,313			201,149			200,916			200,917			200,901			200,812			200,503			200,887			200,678
Average number of Common Shares - Diluted (000's)		197,047			200,394			202,329			202,313			201,779			201,142			200,917			200,901			200,812			201,695			200,887			200,815
Profitability Measures:
Gross Yield (2)		9.90	%		10.03	%		10.25	%		10.67	%		10.88	%		11.32	%		11.55	%		12.27	%		12.60	%		10.47	%		11.93	%		14.08	%
Net Yield (3)		7.41	%		7.71	%		7.94	%		8.36	%		8.49	%		9.07	%		9.19	%		9.92	%		10.11	%		8.13	%		9.57	%		11.47	%
Net Finance Revenue as percentage of AEA (Finance Margin) (1)		4.01	%		4.23	%		4.56	%		4.87	%		4.75	%		5.26	%		-1.88	%		1.02	%		-4.99	%		4.61	%		-0.09	%		2.09	%
Adjusted Net Finance Margin		4.01	%		4.29	%		4.56	%		4.97	%		4.99	%		5.36	%		4.44	%		4.81	%		3.65	%		4.71	%		4.58	%		3.56	%
SG&A as percentage of AEA (4)		2.79	%		3.46	%		2.97	%		2.88	%		3.07	%		3.03	%		3.21	%		3.21	%		3.16	%		3.10	%		3.16	%		3.18	%
Efficiency Ratio (5)		56.9	%		58.7	%		50.0	%		48.6	%		53.7	%		40.9	%		-492.5	%		113.6	%		-260.5	%		52.7	%		147.4	%		56.1	%
Return on Average Earning Assets (ROA)		1.43	%		1.60	%		2.54	%		2.33	%		2.08	%		3.68	%		-4.22	%		-1.43	%		-6.00	%		2.14	%		-1.94	%		0.31	%
Return on Average Common Stockholders' Equity (ROE)		5.2	%		5.6	%		8.8	%		8.2	%		7.3	%		12.7	%		-14.1	%		-4.6	%		-18.4	%		7.4	%		-6.3	%		0.9	%
		3/31/2014			12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			9/30/2012			6/30/2012			3/31/2012			12/31/2013			12/31/2012			12/31/2011
Capital & Leverage:
Risk-weighted Assets	$	51,752.3		$	50,571.2		$	50,533.0		$	50,718.0		$	49,313.4		$	48,616.9		$	45,929.1		$	44,251.2		$	45,531.5		$	50,571.2		$	48,616.9		$	44,824.1
Tier 1 Capital		8,333.4			8,439.5			8,451.1			8,278.0			8,064.3			7,894.9			7,669.6			7,945.9			8,009.1			8,439.5			7,894.9			8,425.9
Total Capital		8,686.2			8,791.2			8,803.2			8,639.7			8,442.3			8,263.6			8,055.8			8,343.9			8,416.3			8,791.2			8,263.6			8,819.2
Tier 1 Capital Ratio		16.1	%		16.7	%		16.7	%		16.3	%		16.4	%		16.2	%		16.7	%		18.0	%		17.6	%		16.7	%		16.2	%		18.8	%
Total Capital Ratio		16.8	%		17.4	%		17.4	%		17.0	%		17.1	%		17.0	%		17.5	%		18.9	%		18.5	%		17.4	%		17.0	%		19.7	%
Outstanding Common Shares - Basic (000's)		195,030			197,404			200,302			201,030			201,247			200,869			200,850			200,837			200,817			197,404			200,869			200,660
Book Value per Common Share	$	45.10		$	44.78		$	44.16		$	43.16		$	42.21		$	41.49		$	40.37		$	41.79		$	42.17		$	44.78		$	41.49		$	44.27
Tangible Book Value per Common Share	$	42.94		$	42.98		$	42.36		$	41.33		$	40.35		$	39.61		$	38.47		$	39.86		$	40.19		$	42.98		$	39.61		$	42.23

(1) See Non-GAAP Disclosures.

(2) Gross Yield includes Rental Income plus Interest Income as a % of AEA.

(3) Net Yield includes Rental Income plus Interest Income less Depreciation and Maintenance & operating lease expenses as a % of AEA.

(4) Excludes provision for severance and facility exiting activities.

(5) Ratio of operating expenses (excluding the provision for severance and facility exiting activities) to Total Net Revenues (see Non-GAAP disclosures).

13

CIT Bank
Select Financial Data
(dollars in millions)

	3/31/2014			12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			9/30/2012			6/30/2012			3/31/2012			12/31/2013			12/31/2012			12/31/2011
Balance Sheet
Assets
Cash and deposits with banks	$	2,377.2		$	2,528.6		$	2,459.7		$	2,549.4		$	2,795.6		$	3,351.3		$	3,602.7		$	2,976.9		$	2,564.5		$	2,528.6		$	3,351.3		$	2,462.1
Investment securities		236.4			234.6			170.0			174.4			126.3			123.3			85.2			80.8			162.9			234.6			123.3			166.7
Assets held for sale		95.0			104.5			79.0			17.8			8.2			37.7			602.5			595.8			1,079.5			104.5			37.7			1,627.5
Loans		12,562.0			12,032.6			10,850.6			10,208.1			9,583.6			8,060.5			6,771.1			5,996.2			5,534.0			12,032.6			8,060.5			4,500.1
Allowance for loan losses		(223.3	)		(212.9	)		(189.7	)		(165.2	)		(151.7	)		(134.6	)		(86.9	)		(75.7	)		(60.9	)		(212.9	)		(134.6	)		(49.4	)
Loans, net of allowances for loan losses		12,338.7			11,819.7			10,660.9			10,042.9			9,431.9			7,925.9			6,684.2			5,920.5			5,473.1			11,819.7			7,925.9			4,450.7
Operating lease equipment, net		1,530.6			1,248.9			1,100.4			946.8			788.4			621.6			455.5			274.6			91.1			1,248.9			621.6			9.2
Other assets		188.5			195.0			196.3			135.3			154.4			164.6			169.0			176.2			227.9			195.0			164.6			249.3
Total Assets	$	16,766.4		$	16,131.3		$	14,666.3		$	13,866.6		$	13,304.8		$	12,224.4		$	11,599.1		$	10,024.8		$	9,599.0		$	16,131.3		$	12,224.4		$	8,965.5
Liabilities & Equity
Deposits	$	13,129.8		$	12,496.2		$	11,784.4		$	11,111.1		$	10,627.5		$	9,614.7		$	8,640.2		$	7,080.6		$	6,731.7		$	12,496.2		$	9,614.7		$	6,123.8
Long-term borrowings		762.5			854.6			147.1			49.3			47.2			49.6			487.6			504.0			511.5			854.6			49.6			576.7
Other liabilities		244.8			183.9			181.5			184.5			153.3			122.7			102.0			109.1			147.1			183.9			122.7			148.0
Total Liabilities		14,137.1			13,534.7			12,113.0			11,344.9			10,828.0			9,787.0			9,229.8			7,693.7			7,390.3			13,534.7			9,787.0			6,848.5
Stockholders' Equity		2,629.3			2,596.6			2,553.3			2,521.7			2,476.8			2,437.4			2,369.3			2,331.1			2,208.7			2,596.6			2,437.4			2,117.0
Total Liabilities and Equity	$	16,766.4		$	16,131.3		$	14,666.3		$	13,866.6		$	13,304.8		$	12,224.4		$	11,599.1		$	10,024.8		$	9,599.0		$	16,131.3		$	12,224.4		$	8,965.5
Financing and Leasing Assets by Segment
North American Commercial Finance	$	11,105.6		$	10,701.1		$	9,825.7		$	9,128.8		$	8,586.6		$	7,280.7		$	6,203.8		$	5,472.1		$	4,448.9		$	10,701.1		$	7,280.7		$	3,594.9
Transportation & International Finance		3,006.2			2,606.8			2,126.8			1,966.7			1,721.9			1,370.6			1,036.1			835.5			619.6			2,606.8			1,370.6			348.9
Non-Strategic Portfolios		75.8			78.1			77.5			77.2			71.7			68.5			589.2			559.0			1,636.1			78.1			68.5			2,193.0
Total	$	14,187.6		$	13,386.0		$	12,030.0		$	11,172.7		$	10,380.2		$	8,719.8		$	7,829.1		$	6,866.6		$	6,704.6		$	13,386.0		$	8,719.8		$	6,136.8
Select Data
Tier 1 Capital to Average Assets (Leverage Ratio)		15.9	%		16.9	%		17.9	%		18.5	%		19.4	%		20.2	%		21.4	%		23.3	%		23.1	%		16.9	%		20.2	%		24.7	%
Tier 1 Capital to Risk Weighted Assets		16.1	%		16.8	%		18.5	%		19.6	%		20.0	%		21.5	%		26.3	%		28.8	%		32.0	%		16.8	%		21.5	%		36.5	%
Total Capital to Risk Weighed Assets		17.4	%		18.1	%		19.8	%		20.8	%		21.3	%		22.7	%		27.4	%		29.8	%		32.9	%		18.1	%		22.7	%		37.5	%
	1Q 14			4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 12			2Q 12			1Q 12			2013			2012			2011
Income Statement
Interest income	$	157.8		$	149.0		$	142.9		$	135.8		$	122.8		$	111.0		$	98.9		$	87.5		$	83.6		$	550.5		$	381.0		$	273.0
Interest expense		(51.4	)		(47.4	)		(42.6	)		(42.8	)		(39.3	)		(81.5	)		(38.0	)		(35.1	)		(37.1	)		(172.1	)		(191.7	)		(117.4	)
Net Finance Revenue		106.4			101.6			100.3			93.0			83.5			29.5			60.9			52.4			46.5			378.4			189.3			155.6
Other income		72.8			68.9			61.9			55.3			47.8			54.7			40.0			49.6			27.2			233.9			171.5			70.5
Provision for credit losses		(24.8	)		(25.3	)		(29.7	)		(17.1	)		(21.0	)		(48.4	)		(12.1	)		(20.5	)		(12.9	)		(93.1	)		(93.9	)		(46.1	)
Other expenses		(103.6	)		(87.9	)		(90.9	)		(87.8	)		(74.7	)		(49.9	)		(56.7	)		(47.0	)		(32.8	)		(341.3	)		(186.4	)		(66.6	)
Income before taxes		50.8			57.3			41.6			43.4			35.6			(14.1	)		32.1			34.5			28.0			177.9			80.5			113.4
Provision for income taxes		(17.8	)		(19.9	)		(16.5	)		(18.4	)		(14.6	)		(4.6	)		(13.1	)		(12.1	)		(9.6	)		(69.4	)		(39.4	)		(45.8	)
Net income	$	33.0		$	37.4		$	25.1		$	25.0		$	21.0		$	(18.7	)	$	19.0		$	22.4		$	18.4		$	108.5		$	41.1		$	67.6

14

CIT Group Inc.
Non-GAAP Disclosures⁽¹⁾
(dollars in millions)

	3/31/2014			12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			9/30/2012			6/30/2012			3/31/2012				12/31/2013			12/31/2012			12/31/2011
Earning assets(2):
Loans	$	18,571.7		$	18,629.2		$	18,371.0		$	18,155.3		$	18,525.7		$	17,153.1		$	16,630.6		$	16,202.4		$	15,925.1			$	18,629.2		$	17,153.1		$	15,225.8
Operating lease equipment, net		14,182.4			13,035.4			12,577.1			12,326.2			12,290.6			12,411.7			12,086.7			11,911.2			11,918.9				13,035.4			12,411.7			12,006.4
Assets held for sale		1,119.4			1,003.4			1,122.2			1,186.6			646.8			644.8			880.3			875.4				620.3			1,003.4			644.8			680.7
Credit balances of factoring clients		(1,213.5	)		(1,336.1	)		(1,278.4	)		(1,205.0	)		(1,237.7	)		(1,256.5	)		(1,224.9	)		(1,164.1	)		(1,109.8		)		(1,336.1	)		(1,256.5	)		(1,225.5	)
Earning assets	$	32,660.0		$	31,331.9		$	30,791.9		$	30,463.1		$	30,225.4		$	28,953.1		$	28,372.7		$	27,824.9		$	27,354.5			$	31,331.9		$	28,953.1		$	26,687.4
	1Q14			4Q13			3Q13			2Q13			1Q13			4Q12			3Q12			2Q12				1Q12			2013			2012			2011
Total Net Revenues(3):
Interest income	$	302.2		$	307.2		$	306.4		$	319.1		$	322.5		$	321.8		$	331.3		$	363.2			$	377.7		$	1,255.2		$	1,394.0		$	1,971.9
Rental income on operating leases		491.9			463.8			472.9			484.3			476.4			480.3			475.1			475.5				469.9			1,897.4			1,900.8			1,785.6
Finance revenue		794.1			771.0			779.3			803.4			798.9			802.1			806.4			838.7				847.6			3,152.6			3,294.8			3,757.5
Interest expense		(271.9	)		(267.5	)		(256.7	)		(262.6	)		(274.1	)		(269.8	)		(772.9	)		(607.8	)		(1,015.2		)		(1,060.9	)		(2,665.7	)		(2,504.2	)
Depreciation on operating lease equipment		(148.8	)		(139.5	)		(134.2	)		(133.6	)		(133.3	)		(127.5	)		(126.5	)		(125.3	)		(133.9		)		(540.6	)		(513.2	)		(538.6	)
Maintenance & other operating lease expenses		(51.6	)		(39.0	)		(41.4	)		(40.3	)		(42.4	)		(31.9	)		(38.1	)		(35.6	)			(33.8	)		(163.1	)		(139.4	)		(157.8	)
Net finance revenue (NFR)		321.8			325.0			347.0			366.9			349.1			372.9			(131.1	)		70.0			(335.3		)		1,388.0			(23.5	)		556.9
Other income		71.1			127.6			104.5			79.2			70.0			152.4			85.6			123.1				253.6			381.3			614.7			954.2
Total net revenue	$	392.9		$	452.6		$	451.5		$	446.1		$	419.1		$	525.3		$	(45.5	)	$	193.1			$	(81.7	)	$	1,769.3		$	591.2		$	1,511.1
Pre-tax Income excluding Accelerated Debt FSA, OID and Debt Related Transaction Costs
Income / (Loss) from continuing operations before provision for income taxes	$	122.7		$	153.8		$	206.3		$	205.4		$	168.7		$	298.5		$	(291.4	)	$	(58.1	)		$	(364.4	)	$	734.2		$	(415.4	)	$	245.9
Accelerated FSA net discount/(premium) on debt extinguishments and repurchases		-			9.8			-			7.7			17.1			13.7			441.7			258.4				581.1			34.6			1,294.9			279.2
Accelerated original issue discount on debt extinguishments related to the TRS facility		-			(5.2	)		-			-			-			(6.9	)		-			-				-			(5.2	)		(6.9	)		-
Debt Related - prepayment penalties		-			-			-			-			-			-			-			-				-			-			-			114.2
Debt Related - loss on debt extinguishments		-			-			-			-			-			-			16.8			21.5				22.9			-			61.2			134.8
Income / (Loss) from continuing operations before provision for income taxes - excluding debt refinancing costs	$	122.7		$	158.4		$	206.3		$	213.1		$	185.8		$	305.3		$	167.1		$	221.8			$	239.6		$	763.6		$	933.8		$	774.1
Income / (Loss) from continuing operations before provision for income taxes - excluding debt refinancing costs
Transportation & International Finance	$	117.6		$	116.8		$	150.6		$	162.4		$	148.5		$	169.4		$	106.6		$	113.8			$	75.7			578.3			465.5			247.9
North American Commercial Finance		42.5			135.0			83.6			89.7			64.8			166.1			134.4			158.5				244.3			373.1			703.3			620.5
Non-Strategic Portfolios		(8.0	)		(11.8	)		(10.5	)		(20.2	)		(14.8	)		12.2			(35.9	)		(11.0	)			(50.8	)		(57.3	)		(85.5	)		118.4
Corporate and Other		(29.4	)		(81.6	)		(17.4	)		(18.8	)		(12.7	)		(42.4	)		(38.0	)		(39.5	)			(29.6	)		(130.5	)		(149.5	)		(212.7	)
Total	$	122.7		$	158.4		$	206.3		$	213.1		$	185.8		$	305.3		$	167.1		$	221.8			$	239.6		$	763.6		$	933.8		$	774.1
NFR excluding Accelerated Debt FSA, OID and Debt Prepayment Costs ($ and % of AEA) (4)
Net finance revenue	$	321.8		$	325.0		$	347.0		$	366.9		$	349.1		$	372.9		$	(131.1	)	$	70.0		$	(335.3		)	$	1,388.0		$	(23.5	)	$	556.9
Accelerated FSA net discount/(premium) on debt extinguishments and repurchases		-			9.8			-			7.7			17.1			13.7			441.7			258.4				581.1			34.6			1,294.9			279.2
Accelerated original issue discount on debt extinguishments related to the TRS facility		-			(5.2	)		-			-			-			(6.9	)		-			-				-			(5.2	)		(6.9	)		-
Debt related - prepayment costs		-			-			-			-			-			-			-			-				-			-			-			114.2
Adjusted net finance revenue	$	321.8		$	329.6		$	347.0		$	374.6		$	366.2		$	379.7		$	310.6		$	328.4			$	245.8		$	1,417.4		$	1,264.5		$	950.3
Net finance revenue - reported		4.01	%		4.23	%		4.56	%		4.87	%		4.75	%		5.26	%		-1.88	%		1.02	%		-4.99		%		4.61	%		-0.09	%		2.09	%
Accelerated FSA net discount/(premium) on debt extinguishments and repurchases		-			0.13	%		-			0.10	%		0.23	%		0.19	%		6.33	%		3.78	%			8.64	%		0.12	%		4.69	%		1.04	%
Accelerated original issue discount on debt extinguishments related to the TRS facility		-			-0.07	%		-			-			-			-0.09	%		-			-				-			-0.02	%		-0.02	%		-
Debt related - prepayment costs		-			-			-			-			-			-			-			-				-			-			-			0.43	%
Adjusted net finance revenue		4.01	%		4.29	%		4.56	%		4.97	%		4.98	%		5.36	%		4.45	%		4.80	%			3.65	%		4.71	%		4.58	%		3.56	%
Tangible book value
Total common stockholders' equity	$	8,796.0		$	8,838.8		$	8,845.0		$	8,677.2		$	8,494.4		$	8,334.8		$	8,108.9		$	8,393.8		$	8,467.6			$	8,838.8		$	8,334.8		$	8,883.6
Goodwill and intangible assets, net		421.7			354.9			360.7			369.3			373.6			377.8			383.2			388.2				395.9		$	354.9		$	377.8			409.5
Tangible book value	$	8,374.3		$	8,483.9		$	8,484.3		$	8,307.9		$	8,120.8		$	7,957.0		$	7,725.7		$	8,005.6		$	8,071.7			$	8,483.9		$	7,957.0		$	8,474.1

(1) Non-GAAP financial measures disclosed by management are meant to provide additional information and insight relative to trends in the business to investors and, in certain cases, to present financial information as measured by rating agencies and other users of financial information. These measures are not in accordance with, or a substitute for, GAAP and maybe different from, or inconsistent with, non-GAAP financial measures used by other companies.

(2) Earning assets are utilized in certain revenue and earnings ratios. Earning assets are net of credit balances of factoring clients. This net amount, which corresponds to amounts funded, is a basis for revenues earned.

(3) Total net revenues are the combination of net finance revenues and other income.

(4) NFR excluding debt FSA, OID and debt prepayment costs is used in the analysis of operating margin.

15

CIT Group Inc.
APPENDIX - Fresh Start Accounting
(dollars in millions)

		12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			9/30/2012			6/30/2012			3/31/2012		12/31/2013			12/31/2012		12/31/2011
Accretable Discount (by balance sheet line item)
Loans	$	(35.0	)	$	(44.5	)	$	(58.2	)	$	(112.6	)	$	(131.1	)	$	(166.1	)	$	(201.0	)	$	(253.9	)	$	(35.0	) $	(131.1	)	$	(318.5	)
Operating Lease Equipment, Net		(2,276.9	)		(2,350.2	)		(2,398.3	)		(2,475.3	)		(2,550.6	)		(2,610.6	)		(2,670.9	)		(2,743.3	)		(2,276.9	)	(2,550.6	)		(2,803.1	)
Intangible Assets		20.3			22.4			24.8			27.7			31.9			37.3			42.3			50.0			20.3		31.9			63.6
Other Assets		(11.6	)		(14.7	)		(15.7	)		(17.7	)		(20.8	)		(64.5	)		(67.7	)		(106.8	)		(11.6	)	(20.8	)		(117.1	)
Total Assets		(2,303.2	)		(2,387.0	)		(2,447.4	)		(2,577.9	)		(2,670.6	)		(2,803.9	)		(2,897.3	)		(3,054.0	)		(2,303.2	)	(2,670.6	)		(3,175.1	)
Deposits		(0.8	)		(0.1	)		0.7			1.9			3.5			5.2			7.1			10.1			(0.8	)	3.5			14.5
Long-term Borrowings		(52.9	)		(68.1	)		(73.0	)		(90.4	)		(124.0	)		(149.6	)		(635.8	)		(949.1	)		(52.9	)	(124.0	)		(1,621.4	)
Other Liabilities		-			0.3			0.4			1.3			1.7			4.4			6.5			12.7			-		1.7			25.7
Total Liabilities		(53.7	)		(67.9	)		(71.9	)		(87.2	)		(118.8	)		(140.0	)		(622.2	)		(926.3	)		(53.7	)	(118.8	)		(1,581.2	)
Net Accretable Discount	$	(2,249.5	)	$	(2,319.1	)	$	(2,375.5	)	$	(2,490.7	)	$	(2,551.8	)	$	(2,663.9	)	$	(2,275.1	)	$	(2,127.7	)	$	(2,249.5	) $	(2,551.8	)	$	(1,593.9	)
														4Q 12			3Q 12			2Q 12			1Q 12					2012			2011
Income Statement Accretion / (Amortization):
Interest Income													$	30.3		$	43.4		$	60.4		$	78.2				$	212.3		$	666.4
Interest Expense														(23.7	)		(471.8	)		(303.2	)		(652.4	)				(1,451.1	)		(752.3	)
Rental Income on Operating Leases														(5.4	)		(4.9	)		(6.4	)		(8.1	)				(24.8	)		(56.1	)
Depreciation Expense (1)														52.7			49.8			54.0			57.5					214.0			240.0
Other Income (2)														40.3			3.0			36.0			9.4					88.7			101.4
Total Impact (pre-tax)													$	94.2		$	(380.5	)	$	(159.2	)	$	(515.4	)			$	(960.9	)	$	199.4

(1) Represents additional depreciation expense that would have been recognized had the equipment values not been written down as part of FSA.

(2) Other Income impact excludes recoveries on amounts charged off pre-FSA which are recorded in and shown as a separate component of other income. The amounts represent the accretion of a fair value mark on a counterparty receivable related to a secured borrowing facility.

16

APPENDIX - Select Financial Terms

Accretable / Non-accretable fresh start accounting adjustments reflect components of the fair value adjustments to assets and liabilities. Accretable adjustments flow through the related line items on the statement of operations (interest income, interest expense, non-interest income and depreciation expense) on a regular basis over the remaining life of the asset or liability. These primarily relate to interest adjustments on loans and leases, as well as debt. Non-accretable adjustments, for instance credit related write-downs on loans, become adjustments to the basis of the asset and flow back through the statement of operations only upon the occurrence of certain events, such as repayment or sale.

Average Earning Assets (AEA) is computed using month end balances and is the average of finance receivables (defined below), operating lease equipment, and financing and leasing assets held for sale, less the credit balances of factoring clients. We use this average for certain key profitability ratios, including Gross Yield, Net Yield, Net Finance Margin and return on AEA.

Average Finance Receivables (AFR) is computed using month end balances and is the average of finance receivables (defined below). It excludes operating lease equipment. We use this average to measure the rate of net charge-offs for the period.

Book value per common share and tangible book value per common share are measurements of shareholder value.

Discontinued Operation reflects the student lending business, which had been included in the Non-Strategic Portfolios segment.

Efficiency Ratio is the percentage of operating expenses to Total Net Revenue (defined below). We use the efficiency ratio to measure the level of expenses in relation to revenue earned.

Finance receivables include loans, capital lease receivables and factoring receivables. In certain instances, we use the term “Loans” synonymously, as presented on the balance sheet.

Financing and Leasing Assets include finance receivables, operating lease equipment and assets held for sale.

Fresh Start Accounting (“FSA”) was adopted upon emergence from bankruptcy. FSA recognizes that CIT has a new enterprise value following its emergence from bankruptcy and required asset values to be remeasured using fair value in accordance with accounting requirements for business combinations. The excess of reorganization value over the fair value of tangible and intangible assets was recorded as goodwill. In addition, FSA also required all liabilities, other than deferred taxes, be stated at fair value. Deferred taxes were determined in conformity with accounting requirements for Income Taxes.

Gross Yield includes rental income and interest income as a % of AEA.

Held for Sale describes assets that we intend to sell in the near-term. These are carried at the lower of cost or market.

Interest income includes interest and fees earned on finance receivables and interest and dividends on interest bearing deposits and investments.

Lease – operating is a lease in which we retain ownership of the asset, collect rental payments, recognize depreciation on the asset, and retain the risks of ownership, including obsolescence.

Net Finance Margin (NFM) reflects Net Finance Revenue divided by AEA.

Net Finance Margin (adjusted) (Adjusted NFM) is NFM increased by accelerated FSA net discount/(premium) on debt extinguishments and repurchases and debt related prepayment costs, reduced by accelerated OID accretion.

Net Finance Revenue reflects Net Interest Revenue (defined below) plus rental income on operating leases less depreciation on operating lease equipment and maintenance & operating lease expenses, which are direct costs of equipment ownership.

Net Interest Revenue reflects interest and fees on finance receivables and interest/dividends on investments less interest expense on deposits and long term borrowings.

Net Yield includes rental income and interest income, reduced by depreciation and maintenance and other operating lease expenses as a % of AEA.

Non-accruing Assets include loans placed on non-accrual status, typically after becoming 90 days delinquent or prior to that time due to doubt of collectability of principal and interest.

Other Income includes gains on equipment sales, factoring commissions, and fee revenue from activities such as loan servicing and loan syndications. Also included are gains on loan sales and investment sales and, as a result of FSA, recoveries on pre-FSA loan charge-offs. Other income combined with rental income on operating leases is defined as Non-interest income.

Return on Common Equity (ROE) is net income available to common stockholders, expressed as a percentage of average common equity, and is a key measurement of profitability.

Risk Weighted Assets (RWA) is the denominator to which Total Capital and Tier 1 Capital is compared to derive the respective ratios. RWA is comprised of both on-balance sheet assets and certain off-balance sheet items (for example loan commitments, purchase commitments or derivative contracts), all of which are adjusted by certain risk-weightings as defined by the regulators, which are based upon, among other things, the relative credit risk of the counterparty.

Tier 1 Capital and Tier 2 Capital are regulatory capital as defined in the capital adequacy guidelines issued by the Federal Reserve. Tier 1 Capital is Total Stockholders Equity reduced by goodwill and intangibles and adjusted by elements of other comprehensive income and other items. Tier 2 Capital consists of, among other things, other preferred stock that does not qualify as Tier 1, mandatory convertible debt, limited amounts of subordinated debt, other qualifying term debt, and allowance for credit losses up to 1.25% of risk weighted assets.

Total Capital is the sum of Tier 1 and Tier 2 capital, subject to certain adjustments, as applicable.

Total Net Revenue is the combination of net finance revenue and non-interest income. This amount excludes provision for credit losses from total revenue and is a measurement of our revenue growth.

Yield-related Fees are collected in connection with our assumption of underwriting risk in certain transactions in addition to interest income. We recognize yield-related fees, which include prepayment fees and certain origination fees, in Interest Income over the life of the lending transaction.

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