Ricoh Leasing Company, Ltd.

1. May 10, 2022
Ricoh Leasing Company, Ltd.
Fiscal Year
Ended March
2022 (FY2021)
Financial
Highlights

2. 1. Consolidated Results for Fiscal Year Ended
March 2022
2. Performance by Segment
3. Mid-Term Management Plan and Topics
(FY2020 - FY2022)
4. Consolidated Income Forecast for Fiscal Year
Ending March 2023
5. Reference Material
Table of Contents
2

3. 1. Consolidated Results for Fiscal Year
Ended March 2022
3

4. * Operating assets without deducting the securitization of lease receivables were 1,055.0 billion yen (increased 15.5 billion yen
from the end of the previous fiscal year).
4
Financial Performance Overview for Fiscal Year
Ended March 2022
* In this document, “Profit Attributable to Owners of Parent” is listed as “Net Income.”
1. Net sales decreased and profit increased.
Each profit figure achieved the target and hit a record high, reflecting the continued
improvement of returns on assets and growth in the Rental Business.
2. Operating assets stood at 984.2 billion yen（increased 15.5 billion
yen from the end of the previous fiscal year）.
Operating assets increased in Loans and Investment Business.
3. Operating profit for the fiscal year ending March 2023 is forecast
to be 20.0 billion yen.
Operating profit is forecast to rise for the third consecutive year and achieve the Mid-term
Management Plan target.

5. • An increase in selling, general and administrative expenses was more than offset by gross profit,
and operating profit and profits in lines below it hit record highs for the second consecutive year.
• We will raise annual dividends per share to 120 yen, up from 115 yen, the full-year forecast (a
rise of 20 yen year on year).
Consolidated Results
5
(Billion Yen)
2021/3 2022/3
4Q
cumulative total
4Q
cumulative total
Growth
Rate
Full-year
Forecast
326.2 303.8 (6.9%) 312.4 97.3%
37.7 40.0 6.2% 40.0 100.1%
20.2 20.7 2.6% 21.5 96.6%
17.4 19.2 10.4% 18.5 104.2%
17.5 19.5 11.5% 18.3 106.7%
12.0 13.4 12.2% 12.6 107.0%
YoY change
100.00 120.00 20.00 115.00 －
389.93 437.34 47.41 408.76 －
25.6% 27.4% 1.8% 28.1% －
1.04% 1.15% 0.11% 1.05% －
6.4% 6.9% 0.4% 6.4% －
ROE（Return on Equity Ratio）
Selling, General and
Administrative Expenses
Ordinary Profit
Net Income
Dividend per Share(yen)
Earnings per Share(yen)
Dividend Payout Ratio
ROA（Return on Asset Ratio）
Operating Profit
2022/3
Achievement
Rate
Net Sales
Gross Profit

6. Provision of
allowance
for Doubtful
Accounts
Other
Expenses
21/3
4Q
cumulative total
(Billion Yen)
Factors Affecting Operating Profit
6
Gross Profit
17.47
billion yen
19.28
billion yen
+0.41
+0.41
+1.18
+0.33
+1.13
Selling, General and
Administrative Expenses
22/3
4Q
cumulative total
(0.00)
(0.83)
(0.82)
Human
Resources
Financial
Expenses
Gross
Margin for
Investment
Business
Gross
Margin for
Services
Business
Gross
Margin for
Loans
Gross
Margin for
Leases and
Installment
Sales
Business
Leases & Finance
Business

7. • Assets and liabilities increased from a year ago, reflecting an increase in operating assets.
Consolidated Balance Sheets
7
* Allowance for doubtful accounts shows the total of current assets and non-current assets.
* Long-term debt within one year(Bonds payable, Long-term borrowings) is included in short-term Interest-Bearing Debt.
(Billion Yen)
2021/3 2021/3
Actual Actual
Increase/
Decrease
Actual Actual
Increase/
Decrease
Cash and deposits 11.0 4.8 (6.2)
Short-term
Interest-Bearing Debt
225.4 165.7 (59.6)
Lease receivables and
investments in leases
528.9 511.4 (17.4)
Long-term
Interest-Bearing Debt
590.0 647.5 57.5
Installment receivables 182.9 183.7 0.8
Long-term payables
under securitization of
lease receivables
40.0 40.0 -
Accounts receivable
- operating loans
200.6 221.9 21.2 Other liabilities 113.9 122.9 9.0
Assets for lease 54.3 61.8 7.4 Total Liabilities 969.3 976.2 6.8
Allowance for doubtful
accounts
(11.8) (13.2) (1.3) Total net assets 191.3 201.4 10.1
Other assets 194.7 207.0 12.3
Total assets 1,160.7 1,177.7 17.0 Total liabilities and net assets 1,160.7 1,177.7 17.0
2022/3 2022/3

8. • Operating assets increased
15.5 billion yen from the end
of the previous year due to the
accumulation of Loans and
Investment Business.
• Default loss amount decreased,
and the default rate remained
at a low level.
Operating Assets and Default Rate
8
* The balance of operating assets includes the
amount of securitization of lease receivables
(Amount of Securitized Lease Receivables for
22/3: 70.7 billion yen).
* Default rate = Default loss amount / Average
balance of operating assets
(Billion yen)
576.1 589.8 622.1 599.7 582.2
23.0 29.0
30.5
30.4
29.5
111.3
133.1
152.9
161.6
160.8
143.7
160.6
181.6 200.6 221.9
2.0
9.2
31.7 46.9 60.4
856.3
921.9
1,019.1
1,039.4 1,055.0
0.17% 0.17% 0.16% 0.15%
0.12%
-0.70%
-0.60%
-0.50%
-0.40%
-0.30%
-0.20%
-0.10%
0.00%
0.10%
18/3 19/3 20/3 21/3 22/3
Investment Business
Loans
Installment Sales
Operating Leases
Finance Leases
Default Rate

9. • Financial expenses increased slightly
while financial expenses ratio remained
flat.
 Financial Expenses and Financial Expenses Ratio
 Total Procurement Amount
Total Procurement Amount and
Financial Expenses
9
(Billion yen)
(Billion yen)
* Financial expenses ratio = Financial expenses /
Average balance of operating assets
111.0 96.2 67.2 30.2 18.2
95.7 134.4 143.8 195.2 147.5
499.9 524.4 608.4 590.0 647.5
20.0
20.0
60.0 100.0 100.0
726.6 775.2
879.5 915.4 913.2
18/3 19/3 20/3 21/3 22/3
Payables under securitization
of lesase receivables
Long-term Debt
Long-term Debt within one
year
Short-term Debt
1.08 1.02
1.12
1.36 1.37
0.13% 0.12% 0.12% 0.14% 0.14%
-0.50%
-0.30%
-0.10%
0.10%
0.30%
18/3 19/3 20/3 21/3 22/3
Financial
Expenses
Financial
Expenses
Ratio
• ESG financing was conducted
through positive impact finance (PIF)
in 21/3 and sustainability linked
loans (SLL) in 22/3.
* Payables under securitization of lease receivables
includes off-balance sheet financing.
* PIF: Loans aimed at supporting business activities
based on the assessment of the environmental, social
and economic impact of the business
* SLL: Loans in which targeted matching ESG strategies
are set and incentives are generated in accordance with
the degree of achievement of the targets

10. 2．Performance by Segment
10

11.  Operating Assets
11
Performance by Segment
• Sales in the Leases & Finance Business decreased mainly given a decline in installment sales, but profit increased,
reflecting an improvement in earnings strength.
• In the Services Business, Collection Agency Service continued to perform strongly. Starting from the first quarter of
the fiscal year under review, Enplus results are reflected in consolidated results.
• Both sales and profit increased in the Investment Business, driven by solar power generation business with stable
revenue from sales of electricity.
 Net sales and profit (Billion Yen)
(Billion Yen)
* The balance of operating assets includes the amount of the securitizations of lease receivables
2021/3
4Q
cumulative total
4Q
cumulative total
Growth
Rate
Net Sales 318.1 293.2 (7.8%)
Segment Profit 16.8 18.7 11.5%
Net Sales 5.5 6.5 18.9%
Segment Profit 1.5 1.3 (10.6%)
Net Sales 2.5 4.0 57.4%
Segment Profit 0.6 0.8 31.9%
Investment Business
Services Business
2022/3
Leases & Finance Business
2021/3
Actual Actual
Increase/
Decrease
992.5 994.5 2.0
46.9 60.4 13.5
2022/3
Leases & Finance Business
Investment Business

12.  Leases and Installment Sales Transaction Volume by Product
 Transaction Volume by Contract
• The transaction volume of lease and installment sales decreased, mainly due to the impact of the
shortage of semiconductors. Yields on new contracts continued to improve.
• Loans grew, mainly in condominium loans and structured loans, exceeding the pre-COVID-19
pandemic level.
12
Actual Results of Leases ＆ Finance
Business
(Billion Yen)
(Billion Yen)
* The Transaction Volume for Leases and Installment Sales for the Environmental Field is included in the transaction
volume of the above.
2021/3
4Q cumulative
total
4Q cumulative
total
Growth
Rate
Finance Leases 235.2 229.1 (2.6%)
Operating Leases 17.4 19.4 11.7%
Total Leases 252.6 248.6 (1.6%)
Installment Sales 78.5 62.6 (20.3%)
331.2 311.2 (6.0%)
Loans Transaction Volume 48.4 56.5 16.8%
379.6 367.7 (3.1%)
Total Transaction Volume for Leases and Installment
Total Transaction Volume for Leases & Finance Business
2022/3
2021/3
4Q cumulative
total
4Q cumulative
total
Growth
Rate
Office and IT-Related Equipment 165.5 152.2 (8.0%) (7.7%)
Medical Equipment 31.4 34.8 10.6% (0.9%)
Industrial Machinery 33.3 34.8 4.6% (14.5%)
Commercial and Service Equipment 18.2 15.8 (13.1%) (7.0%)
Transport Equipment 21.7 22.5 3.5% (1.0%)
Others 60.8 50.9 (16.3%) (15.3%)
331.2 311.2 (6.0%) (8.1%)
Environmental Field 52.1 36.1 (30.7%)
Total Transaction Volume for Leases and Installment Sales
2022/3
Japan Leasing
Association (cumulative
total from 21/4 to
22/3)
Growth Rate

13.  Transaction Volume of Factoring
Services for Healthcare &
Nursing-Care Facilities
 Number of Transactions in
Collection Agency Services
Actual Results of Services Business
13
(Billion yen)
（million cases）
• The number of new contracts increased in Collection Agency Services due to the high level of
interest in account-to-account transfer services reflecting the need for no-contact communication.
• In Factoring Service for Healthcare & Nursing-care Facilities, the volume of transactions declined,
reflecting applications for termination chiefly due to enhanced public support.
18.19
20.07
22.19
23.59
26.14
18/3 19/3 20/3 21/3 22/3
78.2
72.0
78.1
100.6
97.5
6.7
7.9
11.1
7.5
6.6
-15
5
0.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
18/3 19/3 20/3 21/3 22/3
Transaction Volume Balance

14. 14
Actual Results of Investment Business
• Operating assets in the environmental field accumulated through business investments and equity
investments in secondary deals, self-consumption models, etc.
• Regarding Housing rental and Real estate business, we developed the real estate business,
selecting assets and investment conditions carefully and diversifying financing method.
 Investment Amount (Billion yen)
 Operating Assets (Billion yen)
2021/3
4Q cumulative
total
4Q cumulative
total
Growth Rate
Solar Power Generation Business 6.5 9.0 37.4%
Housing Rental and Real Estate Business 9.8 18.8 91.9%
Total Investment Amount 16.4 27.9 70.1%
2022/3
2021/3
Actual Actual
Increase/
Decrease
Solar Power Generation Business 16.6 19.0 2.4
Housing Rental and Real Estate Business 30.2 41.4 11.1
Total Operating Assets of Investment Business 46.9 60.4 13.5
2022/3

15. 15
3． Mid-Term Management Plan and Topics
(FY2020 - FY2022)
*Please refer to the reference materials for the strategy of the Mid-Term Management Plan.

16. Topic 1:Vendor Finance Initiatives
Business Growth Strategy①
Further evolution of vendor leasing and enhancement of value provided to
customers
16
Developing Ricoh Lease packages and providing new customer value
Web-based
credit scoring
system
Lease
agreement
output system
• Inside sales support to vendors
Inside
sales
Field sales  Inside sales answer
inquires from vendors
promptly
 Provide high quality, high
efficiency sales support
functions
Negotiations
Sales support
Providing
solutions
 Launched NC Pay-Per, a pay-per-use operating
lease arrangement. The lease payment is
determined according to the number of cases at a
medical institution
 Propose self-consumption solar power generation
facilities to local companies and contribute to
achieving a decarbonized society
• Developing products that solve customers' issues
 Continuing evolution of vendor leasing  Enhancement of the value provided to customers
A system for applying for credit on a
website. The system uses AI technology,
etc. to make decisions and respond to
applications promptly
Vendors
Customers
The system works with the Web-based
credit scoring system and outputs
agreements from a website
Promoting use of vendor support tools that help
vendors sell products
• Developing Ricoh Lease packages
Providing finance to a large
number of customers
through vendors; building a
customer base of 400,000
companies
• Breakdown of transaction volume by channel
Users
29%
Vendors 71%
Transaction volume
for leases and
installment sales
311.2 billion yen
2022/3

17. Business Growth Strategy④
Pioneering new business areas and creating business models
Topic 2:Trust Beneficial Interests
17
Developing new areas by holding trust beneficial interests for short terms
The right to entrust real estate and receive
distributions of profits from the assets, including
rent income
Ricoh
Leasing
Real estate
owners
REIT
Trust banks
• Expand building lease transactions and equipment
lease transactions with tenants of properties that we
own for short terms
• Introducing solar power generation facilities to
properties and proposing added value, including ZEB
What is a trust
beneficial
interest?
Summary of
our efforts
Purpose
We own trust beneficiary rights of a real estate
property developed by a developer for a short
term until the property is owned by a REIT
We liquidate real estate and offer financing to the
developer and owner and thereby contribute to a
sustainable economic virtuous circle
Trust agreement
Trust dividends
Sale and purchase of
trust beneficial
interests
 Trends in business investments
 Scheme  Aims
ZEB: Net Zero Energy Buildings, which produce as much
primary energy as they consume over the course of a year
(Billion yen)
Sale and purchase
of trust beneficial
interests
0.0
5.4
0.5
9.2
19/3 20/3 21/3 22/3 23/3

18. Business Growth Strategy⑥
Business expansion not dependent on assets
Topic 3:Cooperation with an Investee
Company
18
Providing settlement services under a business alliance with Net Protections
Investment
objective
Invested in Net Protections Holdings, Inc. in 2019 to expand settlement services by
creating and developing services jointly with Net Protections, Inc.
Company
name:
Net Protections, Inc.
Established: January 2000
Business
description:
Providing NP Atobarai, a settlement service for BtoC transactions,
and NP Kakebarai, a settlement service for BtoB transactions
Shareholder:
Net Protections Holdings, Inc. (Listed on the First Section of the
Tokyo Stock Exchange in December 2021)
Outline of
the service
Buyer
Order placement Order acceptance
Credit granting
Product shipping
Receipt of product
Invoicing
Third party payment
Deposit management
Payment, Receipt
Payment, Receipt
Deposit
guarantee
Ricoh Leasing
Usually 40 days
10 days minimum
Seller (member
company)
Demand
• Net Protections has started to provide
NP Kakebarai that shortens the period
until receipt, usually 40 days, to 10 days
minimum under an alliance with the
Company.
• The seller can avoid debt collection risk
and make financing plans more easily.
Net Protections

19. Increasing investment in human resources and
strengthening corporate governance
Reinforcement of existing businesses and
creation of new business opportunities
Topic 4:Initiatives with Mizuho Leasing, and Human
Resources and Governance Initiatives
19
Strategy for Enhancement of Organizational Strength②③
Human resource management that links the employees’
happiness with the Company’s business expansion
Reinforcement of governance
Business Growth Strategy⑦
Business expansion under alliance with Mizuho
Leasing
FY2021
initiatives
Collaboration between companies
10.2 billion yen
10.0 billion yen
FY2021
(Target)
FY2021
(Actual)
• Carrying out fixed-point observations of the
engagement of all employees and continuing to
make improvements using the PDCA cycle based
on analysis of the results of observations
• Selected under the 2022 Health & Productivity
Stock Selection(for the fifth consecutive year)
• Certified as a 2022 Certified Health &
Productivity Management Outstanding
Organization (for the sixth consecutive year)
• Listed on the Prime Market on April 4, 2022
• Expansion of collaboration areas
including cooperative approaches
• Disclosing compliance with all 83 principles of
the Corporate Governance Code
• Percentage of female managers: 20.7％
• Percentage of female officers: 23.1％
• Percentage of independent officers: 53.8％
• Selected as a Semi-Nadeshiko Brand
 Continued vendor referrals from Mizuho
Leasing to Ricoh Leasing
 Started to provide credit criteria to
Mizuho Leasing to support sales by
manufacturers and other customers of
Mizuho Leasing
 Continued to consider collaboration,
including project referrals in the
environment and energy, healthcare,
and automobile areas
 Personnel management
 Reinforcement of governance
Engagement
Health &
Productivity
Stock Selection
Diversity
Status of
major
initiatives
New market
segment
(Note) The figures are as of April 1, 2022.

20. 20
4．Consolidated Income Forecast for
Fiscal Year Ending March 2023

21. • Sales expected to increase for the first time in three years, reflecting growth in the Investment
Business and Services Business, and each profit figure forecast to hit a record high.
Consolidated Income Forecast
21
(Billion yen)
Full-year
Actual
Growth
Rate
Full-year
Forecast
Growh
Rate
Net Sales 303.8 (6.9%) 306.0 0.7%
Gross Profit 40.0 6.2% 41.5 3.6%
20.7 2.6% 21.5 3.6%
Operating Profit 19.2 10.4% 20.0 3.7%
Ordinary Profit 19.5 11.5% 19.6 0.4%
Net Income 13.4 12.2% 13.5 0.1%
YoY change YoY change
Dividend per Share(yen) 120.00 20.00 135.00 15.00
Earnings per Share(yen) 437.34 47.41 437.96 0.61
Dividend Payout Ratio 27.4% 1.8% 30.8% 3.4%
1.15% 0.11% 1.12% (0.03%)
6.9% 0.4% 6.5% (0.3%)
ROE（Return on Equity Ratio）
2022/3 2023/3
Selling, General and
Administrative Expenses
ROA（Return on Asset Ratio）

22. • Gross profit is forecast to rise in all segments.
• Investment and expenses for business activities for strengthening the business foundation (human
resources, IT infrastructure) are forecast to increase. The provision of allowance for doubtful
accounts will decrease.
Gross Profit
Selling, General and
Administrative Expenses
22
19.28
billion yen
＋0.59
20.00
billion yen
＋1.11
(0.71)
(0.54)
Forecast on Factors Affecting
Operating Profit
22/3 4Q Cumulative Total 23/3 Full-Year Forecast
Leases & Finance
Business
Gross
Margin for
Leases and
Installment
Sales
Business
Gross
Margin for
Loans
Gross
Margin for
Services
Business
Gross
Margin for
Investment
Business
＋0.02
＋0.41
＋0.55
(0.13)
(0.60)
Other
expenses
Strategic
Expenses
Human
Resources
Financial
Expenses
(Billion Yen)
Provision of
allowance
for Doubtful
Accounts

23. • Operating assets forecast to rise 40.9 billion yen due to rises in transaction volume and business
investment amount.
23
Breakdown of Operating Assets —
Forecast
* The balance of operating assets includes the amount of the securitizations of lease receivables
(Billion yen)
Actual
Increase/
Decrease
Forecast
Increase/
Decrease
Finance Leases 582.2 (17.4) 591.0 8.7
Operating Leases 29.5 (0.9) 30.0 0.4
Total Leases 611.7 (18.3) 621.0 9.2
Installment Sales 160.8 (0.8) 163.0 2.1
772.5 (19.2) 784.0 11.4
Loans 221.9 21.2 232.0 10.0
Leases ＆ Finance Business 994.5 2.0 1,016.0 21.4
Investment Business 60.4 13.5 80.0 19.5
Total Operating Assets 1,055.0 15.5 1,096.0 40.9
2022/3 2023/3
Total Transaction Volume for
Leases and Installment Sales

24. • Mid-term Management Plan targets, except ROE and operating assets targets, expected to be
achieved
Progress in Mid-Term Management Plan
24
(Billion yen)
2020/3 2021/3 2022/3
Actual Actual Actual Forecast
Forecast
CAGR
20/3-23/3
Deviation
from the
Mid-term
target
Mid-Term
Target
Mid-term
target
CAGR
20/3-23/3
Operating Profit 17.0 17.4 19.2 20.0 5.5% 0.0 20.0 5.5%
ROE
（Return on Equity Ratio）
6.6% 6.4% 6.9% 6.5% ー (0.2%)
6.7% or
more
ー
Operating Assets
（including securitization of
receivables）
1,019.1 1,039.4 1,055.0 1,096.0 2.5% (104.0) 1,200.0 5.6%
Dividend Payout
Ratio
23.5% 25.6% 27.4% 30.8% ー 0.8% 30.0% ー
ー
1.1% or
more
ー
0.02%
2023/3
ROA
（Return on Asset Ratio）
1.08% 1.04% 1.15% 1.12%

25. Policy for Shareholder Return
25
• During the period of the FY2020-FY2022 Mid-term Management Plan, dividend per share expected
to rise 45 yen, the 28th consecutive year of increase.
* Consecutive dividend increases include the substantial dividend increase due to the stock split in Fiscal Year Ended March 2000.
135
41 43 45
50
55
60
70
80
90
100
120
13.6% 13.1%
14.7% 15.4% 15.5%
15.9%
19.3%
20.9%
23.5%
25.6%
27.4%
30.8%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
20
40
60
80
100
120
140
160
12/3 13/3 14/3 15/3 16/3 17/3 18/3 19/3 20/3 21/3 22/3 23/3
Forecast
Initial Forecast Actual Dividend Payout Ratio
(Yen)

26. 5． Reference Material
26

27. Consolidated Statements of Income
27
(Billion yen)
4Q cumulative
total
Growth
Rate
4Q cumulative
total
Growth
Rate
Full-year
Forecast
Growth
Rate
Net Sales 326.2 (1.8%) 303.8 (6.9%) 306.0 0.7%
Leases 234.7 (1.5%) 225.9 (3.8%) 224.8 (0.5%)
Installment Sales 44.2 (13.4%) 31.9 (27.8%) 32.6 1.9%
Loans 3.6 12.4% 4.1 12.4% 4.4 6.0%
Commission Received 6.3 2.8% 7.3 16.3% 8.2 11.8%
Others 37.2 11.8% 34.4 (7.5%) 36.0 4.4%
Cost of Sales 288.5 (2.9%) 263.8 (8.6%) 264.5 0.3%
Leases 210.8 (2.1%) 201.6 (4.4%) - -
Installment Sales 41.0 (14.5%) 28.6 (30.1%) - -
Financial Expenses 1.3 21.5% 1.3 0.3% - -
Others 35.2 8.5% 32.1 (8.8%) - -
Gross Profit 37.7 7.2% 40.0 6.2% 41.5 3.6%
20.2 11.4% 20.7 2.6% 21.5 3.6%
Operating Profit 17.4 2.7% 19.2 10.4% 20.0 3.7%
Ordinary Profit 17.5 2.5% 19.5 11.5% 19.6 0.4%
Net Income 12.0 1.6% 13.4 12.2% 13.5 0.1%
2021/3 2022/3 2023/3
Selling, General and
Administrative Expenses

28. Mid-term Management Plan
Target Vision of Ricoh Leasing
Contribution
to customers
Contribution
to society
Happiness of
employees
Create favorable circulation in the
environment, society and the
economy by adopting “management
centered on individuals” and be a
bridge to an abundant future
Continuous
value
creation
Realization of management
centered on individuals
S G
E
• Environment ⇒ Environmental circulation
• Social ⇒ Social & Community
• Governance ⇒ Business & Governance
Creation of
sustainable
circulatory society
Financial
Services
Advance into new businesses around
the Company’s core business fields
FY2017 – FY2019 Mid-term
Management Plan
FY2020 – FY2022 Mid-term
Management Plan
5 to 10 years later
Leases
Installment
Sales
28

29. Enhance-
ment of
organiza-
tional
strength
Business
growth
Mid-
term
Manage-
ment
Plan
Business domains
Promotion of
Sustainability
Management
Contributing to realizing a clean
global environment rooted in
environmental circulation
Creation of safe, secure and
pleasant housing and living
environments
Further evolution of vendor
leasing and enhancement of
value provided to customers
Reconstruction of the rental
business
Contributing to reasonable
environmental circulation and
restoration
Contributing to the creation of
rich and vigorous communities
Contributing to economic
activities — work, commerce,
manufacturing
[G] Business & Governance
[S] Social & Community
[E] Environmental circulation
Execution of SDGs commitment to realize CSV
Pioneering new business areas and creating business models
Business expansion not dependent on assets
Business expansion under alliance with Mizuho Leasing
Development of a mission-critical
system and operation structure for
pursuing high quality and high
efficiency
Human resource management that
links the employees’ happiness with
the Company’s business expansion
Reinforcement of
governance
FY2020 – FY2022 Mid-term Management Plan
Scheme to Realize the Target Vision
29

30. FY2020 – FY2022 Mid-term Management Plan
Business Growth Strategy - 1
Further evolution of vendor leasing and
enhancement of value provided to
customers
Creation of safe, secure and pleasant
housing and living environments
２
Contributing to realizing a clean global
environment rooted in environmental
circulation
３
Business Growth Strategy Measures
１
• Further enhancement of vendor support
function
• Development of portal for customers and
enhancement of value provided
• Deployment of measures to further upgrade
assets
• Contribution to revitalization of local
communities by the housing rental business +
peripheral services
• Provision of diverse loans in line with the
external environment
• Reinforcement of sales of solutions in the
fields of healthcare and wellness
• Provision of finance services in the renewable
energy field and investment in the power
generation business
• Reinforcement of 3R contributing to
environmental circulation and reduction of
environmental load
30

31. FY2020 – FY2022 Mid-term Management Plan
Business Growth Strategy - 2
Pioneering new business areas and
creating business models
４
Reconstruction of the rental business
５
• Expansion of the rental business through
collaboration with Ricoh Group companies
• Expansion of initiatives in the ICT field
• Deployment of new rental services
Business expansion not dependent on
assets
６
• Reinforcement of new field pioneering by
existing products
• Development of services that meet
expectations and needs of society and
customers
Business expansion under alliance with
Mizuho Leasing
７
• Reinforcement of existing businesses and
creation of new business opportunities
• Pioneering new fields through diversification
of financing methods
• Creation of new businesses through
collaboration with investees and alliance
partners
• Business investment focused on ESG
• Taking on challenges into overseas markets
Business Growth Strategy Measures
31

32. FY2020 – FY2022 Mid-term Management Plan
Strategy for Enhancement of Organizational Strength
32
Development of a mission-critical system
and operation structure for pursuing high
quality and high efficiency
１
• Development of a new mission-critical
system
• Promotion of business efficiency and
improvement of quality through
standardization and automation
• Examination and credit function reforms
(mechanisms and use of AI)
Human resource management that links
the employees’ happiness with the
Company’s business expansion
２
• Deployment of measures to increase the
happiness of employees
• Continued promotion of diversity & inclusion
• Recruitment and development of human
resources to realize business growth
Reinforcement of governance
３
• Deployment of measures to increase
corporate value
• Enhancement of internal control and internal
audit
Strategy for Enhancement of Organizational
Strength
Measures

33. 33
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.
This document has been translated from the Japanese original for
reference purposes only. In the event of any discrepancy between this
translated document and the Japanese original, the original shall
prevail.
<Contact>
Corporate Planning Department
Tel : 050-1702-4203
Email : ir@rle.ricoh.co.jp
URL : https://www.r-lease.co.jp
Ricoh Leasing Company, Ltd.