Ricoh Leasing Company reported financial results for the fiscal year ended March 2015, with net sales growing 5.2% year-over-year to ¥2,587 billion. Operating income increased 2.8% to ¥165 billion. The company forecasts further growth in the current fiscal year, with net sales projected to increase 2.8% to ¥2,660 billion and operating income to rise 3.0% to ¥170 billion. Ricoh Leasing will focus on expanding its office equipment, medical, and nursing care businesses and establishing new pillars such as solar power generation and industrial machinery.

1. 0
Fiscal Year Ended March 2015Fiscal Year Ended March 2015
Briefing on Financial ResultsBriefing on Financial Results
April 30, 2015April 30, 2015
Ricoh Leasing Company, Ltd.Ricoh Leasing Company, Ltd.

2. 1
1. Performance Overview
(Fiscal Year Ended March 2015)

3. 2
14/3 15/3
Actual Forecast Actual Difference Ratio
Growth
Rate
Net sales 2,459 2,600 2,587 (12) 99.5 5.2
Gross profit 285 297 298 1 100.4 4.3
SGA expenses 125 133 133 0 100.1 6.2
Operating income 160 164 165 1 100.7 2.8
(Operating income ratio) 6.5 6.3 6.4 0.1 － (0.1)
Ordinary income 158 162 164 2 101.5 3.5
Net income 95 100 101 1 101.4 6.1
(Net income ratio) 3.9 3.8 3.9 0.0 － 0.0
Year-on-year change in yen
Net income per share 305.94 320.34 324.71 4.37 － 18.77
Dividend per share 45.00 45.00 50.00 5.00 － 5.00
Consolidated ResultsConsolidated ResultsConsolidated Results Performance Overview
(100 millions of yen, %)
*Forecast figures are those announced on October 22, 2014.
Record
high

4. 3
Factors Affecting Operating IncomeFactors Affecting Operating Income Performance Overview
16,000
million yen
15/3 Actual
16,500
million yen
500 million
yen
Gross profit calculation SGA expenses
Increase in gross
margin for the
lease/installment
business
Increase in
expenses
14/3 Actual
Increase in
financial
income
+4
Increase in
Allowance for
doubtful accounts
(5)
Decrease in
financing cost+4
+4
(2)
(100 millions of yen)

5. 4
Transaction Volume by BusinessTransaction Volume by BusinessTransaction Volume by Business
(100 millions of yen, %)
*Transaction volumes are calculated on an inspection basis.*Transaction volumes are calculated on an inspection basis.
Performance Overview
14/3 15/3
Actual Growth Rate Actual Growth Rate
Finance lease 2,695 15.6 2,621 (2.7)
Operating lease 104 20.4 124 19.5
Installment sales 409 16.5 485 18.5
Leasing/Installment sales
business 3,209 15.9 3,231 0.7
Financial services business 248 14.9 259 4.6
Total transaction volume 3,457 15.8 3,491 1.0
Record
high
Record
high
Record
high

6. 5
(100 millions of yen, %)
Transaction Volume by Product: Leasing/Installment sales businessTransaction Volume by Product: Leasing/Installment sales businesTransaction Volume by Product: Leasing/Installment sales businesss
Performance Overview
14/3 15/3
Total
(14/4-15/3)
Japan Leasing
Association
Actual
Growth
Rate
Forecast Actual Difference
Growth
Rate
Growth
Rate
Office and IT-
related equipment 2,028 17.0 1,940 1,855 (84) (8.5) (10.2)
Medical equipment 440 9.9 420 398 (21) (9.5) (29.0)
Industrial
machinery 169 45.1 210 285 75 67.8 (8.7)
Commercial and
service industry
equipment
252 3.3 260 300 40 18.9 (5.0)
Vehicles and
transportation
equipment
126 11.1 130 137 7 8.7 (5.4)
Others 190 19.6 250 253 3 33.1 (4.7)
Total transaction
volume 3,209 15.9 3,210 3,231 21 0.7 (9.1)

7. 6
Operating Results by Segment (Lease/Installment business)Operating Results by Segment (Lease/Installment business)Operating Results by Segment (Lease/Installment business) Performance Overview
(100 millions
of yen)
Net sales (left bar) Segment income (right bar)
2,244 2,249 2,277
2,388
2,511
109
155 154
138 144
0
500
1,000
1,500
2,000
2,500
11/3 12/3 13/3 14/3 15/3
0
50
100
150
200
Record
high
(100
millions
of yen)

8. 7
Operating Results by Segment (Financial Services Business)Operating Results by Segment (Financial Services Business)Operating Results by Segment (Financial Services Business) Performance Overview
(100
millions
of yen)
43.3
45.9
49.6
54.4
59.4
19.3 20.3
22.7
27.0 26.3
0
10
20
30
40
50
60
11/3 12/3 13/3 14/3 15/3
Record
high
Net sales (left bar) Segment income (right bar)

9. 8
Financial Services Business-Priority MeasuresFinancial Services BusinessFinancial Services Business--Priority MeasuresPriority Measures Performance Overview
Number of monthly transaction cases of collection agency services
(Unit: 10,000)
63
92
106
128
0
50
100
150
12/3 13/3 14/3 15/3
54
11/3
(100 millions
of yen)
90
198
326
23
0
100
200
300
400
12/3 13/3 14/3 15/311/3
3
Factoring services for
nursing-care benefits - transaction volume

10. 9
Balance of Operating Assets and Changes in Default RateBalance of Operating Assets and Changes in Default RateBalance of Operating Assets and Changes in Default Rate
*Balances shown include securitized portions.
Performance Overview
4,4204,420
(239)(239)
4,5294,529
(242)(242)
4,6874,687
(244)(244)
5,1425,142
(245)(245)
5,3275,327
(246)(246)
412 436
508
612
725
776776
925925
1,0391,039
1,0991,099
1,1421,142
4,000
5,000
6,000
7,000
11/3 12/3 13/3 14/3 15/3
0.52
0.32 0.37
0.25
0.19
Finance leaseFinance lease
(Securitized portion)(Securitized portion)
Operating
loans
Installment
sales
Operating
lease
5,694
5,986
Default rate
(%)
6,333
7,354
6,978
Default rate = Default loss amount / Average balance of operating assets
Record
high
84 93
97
123
158
(100
millions
of yen)

11. 10
Changes in Selling, General and Administrative ExpensesChanges in Selling, General and Administrative ExpensesChanges in Selling, General and Administrative Expenses
58 5959 63
62
6460 62
4
9
56
4 125
133
176
130
0
50
100
150
200
14/3 15/311/3 12/3
(100 millions
of yen)
62
63
Performance Overview
13/3
(10) 115
120 125 125
121
123
Others
Personnel
expenses
Allowance
for Doubtful
accounts

12. 11
Total Procurement Amount and Capital CostTotal Procurement Amount and Capital CostTotal Procurement Amount and Capital Cost
[External ratings]
S&P A
R&I A+
JCR AA-
Fixed charge coverage ratio (%)
Capital cost
Total amount
procured
*Total amounts procured: Balances include debts paid through securitization.
Capital costs shown are expenses included in the calculation of gross profit.
Performance Overview
Long-
term
Short-
term
50.6
61.1
56.957.9
55.6
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
11/3 12/3 13/3 14/3 15/3
5,988
4,912
5,103
5,425
6,337
31
25
1920
15
(100 millions
of yen)

13. 12
2. Financial Forecast
(Fiscal Year Ending March 2016)

14. 13
Current Business EnvironmentCurrent Business EnvironmentCurrent Business Environment Financial Forecast
• Fewer occurrence of corporate bankruptcies and lower interest rate because
oil prices, yen, and interest rate levels are lower
• Increases in capital investment since manufacturers are returning to Japan
• Replacement of Windows Server 2003; demand driven by My Number System
• Reactionary economic recovery after consumption tax hike
Market
• Spread of trickle-down effects to small- and medium-sized companies due to
Abenomics in the future
• New demand in medical and nursing care industries due to revision of laws
(Pharmaceutical and Medical Device Act; Long-Term Care Insurance Act)
Customer
Company
• Decreases in lease renewals due to decreasing transactions for new leases
after Lehman collapse
• Solar power generation business has peaked
• Number of default-related cancellations changes depending on trends in the
industry
(Increases in defaults of nursing agencies, etc.)

15. 14
Consolidated Income ForecastConsolidated Income ForecastConsolidated Income Forecast
(100 millions of yen, %)
15/3 16/3
Actual Forecast Growth Rate
Net sales 2,587 2,660 2.8
Gross profit 298 306 2.6
SGA expenses 133 136 2.2
Operating income 165 170 3.0
(Operating income ratio) 6.4 6.4 -
Ordinary income 164 168 2.1
Net income 101 108 6.5
(Net income ratio) 3.9 4.1 -
Year-on-year change in yen
ROA 1.26% 1.27% 0.02%
ROE 7.7% 7.7% 0.0%
Net income per share 324.71 345.97 21.26
Dividend per share 50.00 55.00 5.00
Financial Forecast

16. 15
Transaction Volume Forecast by BusinessTransaction Volume Forecast by BusinessTransaction Volume Forecast by Business
(100 millions of yen, %)
15/3 16/3
Actual Forecast Growth Rate
Finance lease 2,621 2,705 3.2
Operating lease 124 125 0.1
Installment sales 485 525 8.2
Leasing/Installment sales business 3,231 3,355 3.8
Financial services business 259 265 2.1
Total transaction volume 3,491 3,620 3.7
Financial Forecast

17. 16
Transaction Volume Forecast by Product: Leasing/Installment sales
business
Transaction Volume Forecast by Product: Leasing/Installment saleTransaction Volume Forecast by Product: Leasing/Installment saless
businessbusiness
(100 millions of yen, %)
15/3 16/3
Actual Forecast Growth Rate
Office and IT-related equipment 1,855 1,910 2.9
Medical equipment 398 420 5.3
Industrial machinery 285 320 12.2
Commercial and service
industry equipment 300 305 1.5
Vehicles and transportation
equipment 137 140 1.5
Others 253 260 2.5
Total 3,231 3,355 3.8
Financial Forecast

18. 17
Management StrategyManagement StrategyManagement Strategy Financial Forecast
Business Expansion Efficiency
Business
Productivity
On Business
Customer (Increase customers)
New Business
Efficiency (Personnel efficiency)
ALM (Asset Liability Management)
Accident (Fewer accidents)
Sales support-related leasing know-how
Vendors: 6,000 companies/year
Customers: About 400,000 companies
 Mainly small- and medium-sized companies
Industry’s top funding capabilities
Small-amount/large-volume contracts
 Risk diversification
No. of processing items: About 1.2 million
items/year
OCeaN
StrategiesStrengths
Collaboration among Ricoh Group companies
Communication & Speed & Challenge
Corporate
culture

19. 18
“Three Reforms” Continue““Three ReformsThree Reforms”” ContinueContinue Financial Forecast
11
22
33
Business
Process
Human
resources
To be the industry’s No. 1 in office and IT-related equipment, medical
equipment, and nursing care businesses
•Strengthen collaboration with Ricoh Japan
 Expand Ricoh Channel and SIer
•Provide omni-directional service
 Propose differentiation (new scheme)  Solution marketing
Establish third pillar
•Business expansion (solar power generation, construction machinery,
and industrial machinery (key positions))
•Discover and acquire post-solar power or other new businesses
Continue to implement cross-company business process reforms
•Establish structural reform promotion office
•Improve transparency, standardization and efficiency of internal
processes
Create challenging corporate culture
•Implementation of new personnel system  “Be kind to people but
strict in terms of work.”
•Assessment of challenges, young employees, pay raises (promotion),
pay cuts (demotion), and specialists
•Diversity and work-life balance

20. 19
Final SummaryFinal SummaryFinal Summary Financial Forecast
 Challenge
Speed
Communication
 Business
 Process
 Human Resources
Based on Consciousness Reform (CSC)Based on Consciousness Reform (CSC)
Three ReformsThree Reforms

21. 20
<Reference> Breakdown of Sales for Fiscal Year Ended March 2015<Reference> Breakdown of Sales for Fiscal Year Ended March 2015<Reference> Breakdown of Sales for Fiscal Year Ended March 2015
(100 millions of yen, %)
14/3 15/3
Actual Forecast Actual Difference Ratio
Growth
Rate
Leasing
revenue
1,901 2,019 2,012 (6) 99.7 5.8
Installment
sales revenue
268 306 299 (6) 97.8 11.5
Financing
revenue
23 25 24 (0) 99.1 6.4
Commission
revenue
35 39 40 1 102.8 11.6
Others 229 211 210 (0) 99.9 (8.3)
Total net sales 2,459 2,600 2,587 (12) 99.5 5.2

22. 21
<Reference> Breakdown of Sales Forecast for Fiscal Year Ending March 2016<Reference> Breakdown of Sales Forecast for Fiscal Year Ending M<Reference> Breakdown of Sales Forecast for Fiscal Year Ending March 2016arch 2016
(100 millions of yen, %)
15/3 16/3
Actual Forecast Growth Rate
Leasing revenue 2,012 2,078 3.2
Installment sales revenue 299 309 3.3
Financing revenue 24 26 4.9
Commission revenue 40 42 4.7
Others 210 205 (2.7)
Total net sales 2,587 2,660 2.8

23. 22
Reference: Anticipated Factors Affecting Operating Income for FYReference: Anticipated Factors Affecting Operating Income for FYE March 2016E March 2016
(100 millions of yen)
17,000
million yen
16/3 Forecast
16,500
million yen
500 million
yen
Gross profit calculation SGA expenses
Increase in
allowance for
doubtful
accounts
15/3 Actual
(1)
+2
Increase in
financing
income
Increase in
gross margin
for the
lease/installment
business
Increase in
financing cost
Increase in
expenses
(2)
+7
(1)

24. 23
Reliability
for
the Future
Ricoh Leasing Company, Ltd.Ricoh Leasing Company, Ltd.
Ricoh Leasing Company, Ltd.
Forward-looking statements including earnings forecasts contained in this document are based on certain assumptions deemed to be rational in
light of the information available to the Company at the time of preparing the document, and are not intended to be guarantees of future
performance. Actual results may differ significantly from plans and forecasts due to a variety of factors.