Regulatory Capital (Tables)

6 Months Ended

Jun. 30, 2011

Regulatory Capital

Components Of Tier 1 Capital And Total Capital

Tier 1 Capital and Total Capital Components (dollars in millions)
			CIT Group Inc.					CIT Bank
			June 30,		December 31,		June 30,				December 31,
Tier 1 Capital			2011		2010		2011			2010
Total stockholders' equity			$        8,941.5		$        8,916.0		$  1,913.5			$      1,832.2
Effect of certain items in accumulated other comprehensive loss excluded from Tier 1 Capital			(9.5)		(3.3)		(0.1)			(0.1)
Adjusted total equity			8,932.0		8,912.7		1,913.4			1,832.1
Less: Goodwill			(264.5)		(277.4)		0			0
Disallowed intangible assets			(84.1)		(119.2)		0			0
Investment in certain subsidiaries			(35.3)		(33.4)		0			0
Other Tier 1 components(1)			(62.7)		(65.2)		(80.7)			(97.8)
Total Tier 1 Capital			8,485.4		8,417.5		1,832.7			1,734.3
Tier 2 Capital
Qualifying reserve for credit losses			439.3		416.2		23.2			10.7
Less:  Investment in certain subsidiaries			(35.3)		(33.4)		0			0
Other Tier 2 components(2)			2.6		0.2		0.1			0.1
Total Tier 2 Capital			406.6		383.0		23.3			10.8
Total Capital (Tier 1 and Tier 2 Capital)			$        8,892.0		$        8,800.5		$  1,856.0			$      1,745.1
Risk-weighted assets(4)			$      44,037.0		$      44,176.7		$  3,854.7			$      3,022.0
Total Capital (to risk-weighted assets):
Actual			20.2%		19.9%		48.1%			57.7%
Required Ratio for Capital Adequacy Purposes			13.0%	(3)	13.0%	(3)	8.0%			8.0%
Tier 1 Capital (to risk-weighted assets):
Actual			19.3%		19.1%		47.5%			57.4%
Required Ratio for Capital Adequacy Purposes			4.0%		4.0%		4.0%			4.0%
Tier 1 Capital Leverage Ratio:
Actual			17.1%		16.2%		27.4%			24.2%
Required Ratio for Capital Adequacy Purposes			4.0%		4.0%		15.0%		(3)	15.0%		(3)
	(1)	Includes the portion of net deferred tax assets that does not qualify for inclusion in Tier 1 capital based on the capital guidelines and the Tier 1 capital charge for nonfinancial equity investments.
	(2)	Banking organizations are permitted to include in Tier 2 Capital up to 45% of net unrealized pretax gains on available-for-sale equity securities with readily determinable fair values.
	(3)	The Company and CIT Bank each committed to maintaining certain capital ratios above regulatory minimum levels.
	(4)	Risk-weighted assets include purchase commitments for aircraft to be purchased under a June 2011 Memorandum of Understanding.