Exhibit 12
FINOVA CAPITAL CORPORATION
COMPUTATION OF RATIO OF INCOME TO FIXED CHARGES
(Dollars in Thousands)
NINE MONTHS ENDED
SEPTEMBER 30,
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2000 1999
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Income from continuing operations before income taxes $ 53,841 $264,255
Add fixed charges:
Interest expense 454,421 330,680
One-third rentals 3,335 2,433
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Total fixed charges 457,756 333,113
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Income as adjusted $511,597 $597,368
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Ratio of income to fixed charges 1.12 1.79
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