Exhibit 12.1

CIT Group Inc. and Subsidiaries Computation of Ratio of Earnings to Fixed Charges       (dollars in millions)
	Quarters Ended									Six Months Ended
Earnings:	June 30, 2018			March 31, 2018			June 30, 2017			June 30, 2018			June 30, 2017
Net income	$	126.8		$	97.0		$	156.7		$	223.8		$	336.6
Provision (benefit) for income taxes - continuing operations		57.4			41.3			(31.9	)		98.7		24.3
(Income) loss from discontinued operations, net of taxes		20.5			6.7			(115.5	)		27.2		(217.2)
Income from continuing operations, before provision (benefit) or income taxes		204.7			145.0			9.3			349.7		143.7
Fixed Charges:
Interest and debt expenses on indebtedness		205.2			180.5			209.2			385.7		372.3
Interest factor: one-third of rentals on real and personal properties		3.9			3.8			3.5			7.7		7.2
Total fixed charges for computation of ratio		209.1			184.3			212.7			393.4		379.5
Total earnings before provision (benefit) for income taxes and fixed charges	$	413.8		$	329.3		$	222.0		$	743.1		$	523.2
Ratios of earnings to fixed charges		1.98	x		1.79	x		1.04	x		1.89	x		1.38	x