Regulatory Capital (Tables)

3 Months Ended

Mar. 31, 2020

Regulatory Capital Requirements [Abstract]

Tier 1 Capital And Total Capital Components

The following table summarizes the actual and required capital ratios:

Capital Components and Ratios (dollars in millions)

	CIT				CIT Bank, N.A.
	March 31,		December 31,		March 31,		December 31,
	2020		2019		2020		2019
Common Equity Tier 1 Capital	$	5,158.1	$	5,444.4	$	4,677.7	$	4,879.6
Tier 1 Capital		5,682.9		5,969.3		4,677.7		4,879.6
Total Capital		6,842.3		6,983.3		5,545.7		5,644.3
Risk-Weighted Assets	$	52,973.0	$	45,262.0	$	45,160.2	$	37,150.5
Common Equity Tier 1 Capital Ratio:
Actual	9.7%		12.0%		10.4%		13.1%
Effective minimum ratios under Basel III guidelines(1)	7.0%		7.0%		7.0%		7.0%
BHC and PCA Well-Capitalized	(2)		(2)		6.5%		6.5%
Tier 1 Capital Ratio:
Actual	10.7%		13.2%		10.4%		13.1%
Effective minimum ratios under Basel III guidelines(1)	8.5%		8.5%		8.5%		8.5%
BHC and PCA Well-Capitalized	6.0%		6.0%		8.0%		8.0%
Total Capital Ratio:
Actual	12.9%		15.4%		12.3%		15.2%
Effective minimum ratios under Basel III guidelines(1)	10.5%		10.5%		10.5%		10.5%
BHC and PCA Well-Capitalized	10.0%		10.0%		10.0%		10.0%
Tier 1 Leverage Ratio:
Actual	9.8%		11.9%		8.9%		11.0%
Required minimum ratios under Basel III guidelines(1)	4.0%		4.0%		4.0%		4.0%
BHC and PCA Well-Capitalized	(2)		(2)		5.0%		5.0%

^{(1) Required minimum ratios include stated minimums of 4.5%, 6% and 8% for CET1 capital, Tier 1 capital and Total capital ratios, respectively, plus the fully phased-in capital conservation buffer of 2.5%.}

^{(2) Regulation Y for the bank holding company does not define well-capitalized ratios for CET1 ratio and Tier 1 leverage ratio.}