2006 OUTLOOK
Jeffrey M. Peek
Chairman and Chief Executive Officer
What You Have Heard Today
Vision &
Strategy
Sales & Marketing
Business Execution
Risk Management & Capital Discipline
Trade
Finance
Transportation
Finance
Corporate
Finance
Vendor
Finance
Consumer /
SBL
2
Targets
16.4%
27%
YTD 2005
Updated
Initial
15%
Mid-teens
16%+
ROTE
20%+
EPS growth
Exceeding Our 2005 Targets
3
*Assumes consistent treatment of option expense
2006 Earnings Guidance
Target
15%
Mid-teens
ROE
EPS Growth*
4
Execution of our Strategy Will
Drive 2006 Results
Trade Finance, Vendor Finance, Corporate Finance
initiatives critical to success
Invest in Energy, Advisory and Technology
Grow sales force from 1,275 to 1,575
Increase pipeline visibility through Salesforce.com
Leverage strategic account program
Pursue next round of expense opportunities, including
offshoring and further platform consolidation
Invest in technology
Expand analytics, syndication and hedging
Maintain historic discipline (no compromise for growth)
Further diversify funding including brokered deposits
through CIT Bank
Implement risk-based capital allocation at customer level
Sector
Alignment
Client
Focus
Productivity
Management
Credit and
Risk Management
Capital
Discipline
build to script
5
Looking Ahead
EPS Growth 15%+ / ROE 16-18%
The leading global finance company for the middle market
Trade
Finance
Maintain #1 position
in U.S. market
Leadership in
attractive non-
traditional segments
Build international
platform
Transportation
Finance
Leadership position
(top 3 player)
The most modern
fleet
Participation in
emerging air markets
(Asia and India)
Increasing
penetration of non-
spread products
Corporate
Finance
Partner of choice for
middle market
companies
A leader in each
target customer-
focused market
Increasing
penetration of non-
spread revenue
Vendor
Finance
The #1 global provider
of vendor finance
Increasing penetration
of current partners
within and across
geographies
Scale global back-
office platforms
Consumer/
SBL
#1 provider of sub-
prime home lending
with targeted brokers
The #1 SBA lender in
U.S.
Leader in student
lending (top 5 player)
Continued provider of
growth and earnings
diversification
build to
script
6