Exhibit 99.5

EXHIBIT 12.1

CIT Group Inc. and Subsidiaries Computation of Ratio of Earnings to Fixed Charges (dollars in millions)

	Years Ended December 31,
	CIT											Predecessor CIT
	2013			2012			2011		2010			2009
Earnings:
Net income (loss)	$	675.7		$	(592.3	)	$	14.8	$	521.3			$	(3.8	)
Provision for income taxes - continuing operations		83.9			116.7			157.0		236.7				(146.6	)
(Income) loss from discontinued operation, net of taxes		(31.3	)		56.5			69.1		(18.4	)			1,156.7
Income (loss) from continuing operations, before provision for income taxes		728.3			(419.1	)		240.9		739.6				1,006.3
Fixed Charges:
Interest and debt expenses on indebtedness		1,060.9			2,665.7			2,504.2		2,837.1				2,389.0
Interest factor: one-third of rentals on real and personal properties		7.8			8.2			9.3		23.2				17.5
Total fixed charges for computation of ratio		1,068.7			2,673.9			2,513.5		2,860.3				2,406.5
Total earnings before provision for income taxes and fixed charges	$	1,797.0		$	2,254.8		$	2,754.4	$	3,599.9			$	3,412.8
Ratios of earnings to fixed charges		1.68x			(1)			1.10x		1.26x				1.42x

⁽¹⁾ Earnings were insufficient to cover fixed charges by $419.1 million for the year ended December 31, 2012.

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