Ricoh Leasing Company, Ltd.

1. November 1, 2021
Ricoh Leasing Company, Ltd.
Second Quarter
of Fiscal Year
Ending March
2022 (FY2021)
Financial
Highlights

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

3. 1. Consolidated Results for the Second
Quarter of Fiscal Year Ending March
2022
3

4. * Operating assets without deducting the securitization of lease receivables were 1,044.8 billion yen (increased 5.3 billion yen
from the end of the previous fiscal year).
4
1. Net sales decreased and profit increased.
Profit exceeded the previously recorded highs, reflecting the continued improvement of
returns on assets and growth in the Rental Business.
2. Operating assets stood at 974.1 billion yen (5.4 billion yen
increased from the end of the previous fiscal year)
Operating assets increased due to growth in Loans and Investment Business.
4. Revisions have been made to the initial forecasts for net sales
and gross profit for the fiscal year ending March 31, 2022.
Leases & Finance Business grew more than initially expected. However, selling, general and
administrative expenses rose, reflecting an increase in precautionary allowances due to the
prolonged impact of the COVID-19 pandemic. We have therefore decided not to change the
operating profit forecast.
Financial Performance Overview for the Second
Quarter of Fiscal Year Ending March 2022
* In this document, “Profit Attributable to Owners of Parent” is listed as “Net Income.”

5. • Net sales decreased, mainly due to a decline in installment sales and the impact of the
securitization of lease receivables implemented in the previous year.
• Gross profit increased, mainly reflecting improvements in returns on operating assets. Operating
profit grew due to a decline in selling, general and administrative expenses.
Consolidated Results
5
(Billion Yen)
* Actual ROA and ROE are annualized numerical figures
2021/3 2022/3
2Q
cumulative total
2Q
cumulative total
Growth
Rate
Initial Full-year
Forecast
173.5 153.7 (11.4%) 311.7 49.3%
18.8 20.2 7.4% 39.8 50.9%
9.9 8.6 (12.5%) 21.3 40.7%
8.9 11.5 29.4% 18.5 62.6%
8.7 11.6 32.7% 18.3 63.6%
6.0 7.9 31.2% 12.6 63.0%
YoY change
45.00 55.00 10.00 115.00 －
196.30 257.50 61.20 408.76 －
22.9% 21.4% (1.6%) 28.1% －
1.06% 1.36% 0.30% 1.06% －
6.6% 8.2% 1.6% 6.4% －
2022/3
Progress
Rate
Net Sales
Gross Profit
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

6. Provision of
allowance
for Doubtful
Accounts
Other
Expenses
21/3
2Q
cumulative total
(Billion Yen)
Factors Affecting Operating Profit
6
Gross Profit
8.94
billion yen
11.57
billion yen
+0.20
+0.28
+0.73
+0.16
+2.08
Selling, General and
Administrative Expenses
22/3
2Q
cumulative total
(0.00)
(0.45)
(0.38)
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 the end of the previous fiscal year due to an increase in
operating assets.
Consolidated Balance Sheets
7
単位：億円
* Allowance for doubtful accounts shows the total of current assets and non-current assets.
* Long-term debt within one year is included in short-term Interest-Bearing Debt.
2021/3 2021/3
Actual
End of 2Q
Actual
Increase/Dec
rease at the
End of the
Previous Term
Actual
End of 2Q
Actual
Increase/Dec
rease at the
End of the
Previous Term
Cash and deposits 11.0 17.0 6.0
Short-term
Interest-Bearing Debt
225.4 164.5 (60.9)
Lease receivables and
investments in leases
528.9 517.8 (11.0)
Long-term
Interest-Bearing Debt 590.0 654.0 64.0
Installment receivables 182.9 184.2 1.3
Long-term payables
under securitization of
lease receivables
40.0 40.0 0.0
Accounts receivable
- operating loans
200.6 210.9 10.2 Other liabilities 113.9 119.7 5.8
Assets for lease 54.3 60.7 6.4 Total Liabilities 969.3 978.3 8.9
Allowance for doubtful
accounts (11.8) (10.8) 0.9 Total net assets 191.3 198.0 6.6
Other assets 194.7 196.2 1.5
Total assets 1,160.7 1,176.3 15.6 Total liabilities and net assets 1,160.7 1,176.3 15.6
2022/3 2022/3
(Billion Yen)

8. • Operating assets increased 5.3
billion yen from the end of the
previous year due to the
accumulation of Loans and
Investment Business.
• The default rate continued to
be low.
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
the second quarter of 22/3: 70.7 billion yen).
* Default rate = Default loss amount / Average
balance of operating assets (default rate has
been calculated by annualizing the default
loss amount for the second quarter of 22/3)
576.1 589.8 622.1 599.7 588.6
23.0 29.0
30.5
30.4 29.9
111.3
133.1
152.9
161.6 161.1
143.7
160.6
181.6 200.6 210.9
2.0
9.2
31.7 46.9 54.2
856.3
921.9
1,019.1
1,039.4 1,044.8
0.17% 0.17%
0.16%
0.15% 0.15%
18/3 19/3 20/3 21/3 22/3
2Q
Investment
Business
Loans
Installment Sales
Operating Leases
Finance Leases
Default Rate
(Billion yen)

9. • Both financial expenses and
financial expenses ratio remained
flat.
• We implemented financing,
taking into consideration the
increase in operating assets
and its duration.
 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
* For the second quarter of 22/3, financial
expenses ratio has been calculated by
annualizing financial expenses.
111.0 96.2 67.2 30.2 10.3
95.7 134.4 143.8 195.2 154.2
499.9
524.4 608.4 590.0 654.0
20.0
20.0
60.0 100.0 100.0
726.6 775.2
879.5 915.4 918.5
18/3 19/3 20/3 21/3 22/3
2Q
Payables under securitization
of lesase receivables
Long-term Debt
Long-term Debt within one
year
Short-term Debt
* Payables under securitization of lease
receivables includes off-balance sheet
financing.
0.55 0.51 0.54 0.67 0.67
0.52 0.51 0.58
0.69
1.08 1.02
1.12
1.36
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
2Q
3-4Q
1-2Q
Financial
Expenses Ratio

10. 2．Performance by Segment
10

11.  Operating Assets
11
Performance by Segment
• Sales in the Lease & Finance Business decreased mainly due to a decline in installment sales. Profit
increased, chiefly reflecting a decrease in selling, general & administrative expenses.
• In Services Business, collection agency services continued to perform strongly. Starting from the first
quarter of the fiscal year under review, Enplus results are reflected in consolidated results.
• Sales and profit increased in the Investment Business, driven by solar power generation business.
 Net sales and profit (Billion Yen)
(Billion Yen)
* The balance of operating assets includes the amount of the securitizations of lease receivables
2021/3
2Q
cumulative total
2Q
cumulative total
Growth Rate
Net Sales 169.6 148.3 (12.5%)
Segment Profit 8.6 11.1 29.3%
Net Sales 2.7 3.2 20.2%
Segment Profit 0.8 0.7 (8.7%)
Net Sales 1.2 2.0 68.5%
Segment Profit 0.3 0.5 39.6%
Services Business
2022/3
Leases & Finance Business
Investment Business
2021/3
Actual End of 2Q Actual
Increase/Decrease at
the End of the
Previous Term
992.5 990.6 (1.8)
46.9 54.2 7.2
2022/3
Leases & Finance Business
Investment Business

12.  Leases and Installment Sales Transaction Volume by Product
 Transaction Volume by Contract
• The volume of transactions in leases and installment sales declined due primarily to the intermittent
waves of COVID-19 infections and the impact of the semiconductor shortage.
• Loans grew mainly in personal loans, exceeding the pre-COVID-19 pandemic level.
12
Actual Results of Leases ＆ Finance
Business
(Billion Yen)
(Billion Yen)
2021/3
2Q cumulative
total
2Q cumulative
total
Growth
Rate
Finance Leases 118.9 115.9 (2.5%)
Operating Leases 8.8 9.6 9.4%
Total Leases 127.7 125.5 (1.7%)
Installment Sales 41.7 34.4 (17.4%)
169.5 160.0 (5.6%)
Loans Transaction Volume 19.8 26.3 32.5%
189.4 186.4 (1.6%)
2022/3
Total Transaction Volume for Leases and Installment Sales
Total Transaction Volume for Leases & Finance Business
2021/3
2Q cumulative
total
2Q cumulative
total
Growth
Rate
Office and IT-Related Equipment 85.5 79.1 (7.5%) (7.0%)
Medical Equipment 15.5 17.3 11.7% 0.8%
Industrial Machinery 21.1 20.6 (2.8%) (20.7%)
Commercial and Service Equipment 10.9 7.4 (31.5%) (8.6%)
Transport Equipment 10.5 10.8 3.2% 0.8%
Others 25.7 24.5 (4.6%) (17.1%)
169.5 160.0 (5.6%) (8.5%)
Environmental Field 26.5 21.7 (18.3%)
2022/3 Japan Leasing
Association (cumulative
total from 21/4 to
21/9)
Growth Rate
Total Transaction Volume for Leases and Installment Sales
* The Transaction Volume for Leases and Installment Sales for the Environmental Field is included in the transaction
volume of the above.

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 transactions rose in Collection Agency services, reflecting a continued increase in
the number of transactions related to the invoicing of rents and medical expenses associated with
the need for non face-to-face or no-contact communication.
• In factoring services for Healthcare & Nursing-care Facilities, the volume of transactions continued
to decline, reflecting applications for termination chiefly due to enhanced public support.
8.86 9.85 10.84 11.42
12.88
9.33
10.22
11.35
12.17
18.19
20.07
22.19
23.59
18/3 19/3 20/3 21/3 22/3
2Q
1-2Q 3-4Q
35.3 38.0
49.4 50.3
40.1
36.7
40.1
75.5
47.2
72.0
78.1
100.6
97.5
6.7
7.9
11.1
7.5 7.5
-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
2Q
1-2Q 3-4Q Balance

14. 14
Actual Results of Investment Business
• In solar power generation, progress was as planned due to investments in secondary deals, etc.
• Regarding Housing rental and Real estate, efforts were made to select assets and investment
conditions carefully while maintaining a cautious stance in consideration of market conditions.
 Investment Amount (Billion yen)
 Operating Assets (Billion yen)
2021/3
2Q cumulative
total
2Q cumulative
total
Growth Rate
Solar Power Generation Business 2.8 7.7 170.5%
Housing Rental and Real Estate Business 4.3 8.1 88.3%
Total Investment Amount 7.1 15.9 121.2%
2022/3
2021/3
Actual
End of 2Q
Actual
Increase/Decrease
at the End of the
Previous Term
Solar Power Generation Business 16.6 18.4 1.8
Housing Rental and Real Estate Business 30.2 35.7 5.4
Total Operating Assets of Investment Business 46.9 54.2 7.2
2022/3

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

16. Topic 1: Initiatives in the environmental
Field
Business Growth Strategy③
Contributing to realizing a clean global environment rooted in environmental
circulation
16
Contribute to the creation of a decarbonized society through onsite PPA-based solar power generation
Market
environment
 Increased environmental consciousness
responding to climate change, such as
declarations to achieve carbon neutrality
 Expansion of the self-consumption
model for solar power generation
Purpose
 Promote energy solutions leveraging
expertise developed through the solar
power generation business to contribute to
the creation of a decarbonized society
Project
outline
Ricoh Elemex Corporation Ena Plant
 Location: Ena, Gifu Prefecture
 Start of operations: October 1, 2021
 Annual power generation(projected):
Approx. 430 MWh
 Annual CO2 emissions reductions
(projected): Approx. 200 tons
 Contract period: 20 years
Future
development
 Diversification of methods for providing financing
for renewable energy related equipment, own
business and equity investments, etc.
 Promotion of the self-consumption model for
solar power generation that does not rely on the
FIT system
 Advancing ZEB-oriented initiatives2
Product
outline
Installation, operation and
maintenance of solar power
generation equipment
Payment of
electricity fees
Ricoh Elemex’s
Ena Plant
PPA
(Power purchase
agreement) 1
(Power generation
company)
（Consumer of
electric power）
1 Power Purchase Agreement(PPA):An agreement for the direct supply of
power from power generation equipment installed by a power generation
company to the electric power consumer
2 ZEB: Net Zero Energy Buildings, which produce as much primary
energy as they consume over the course of a year.

17.  Services for home-visit medical examination providers
Expanding the volume of Pay-easy account-to-
account transfer agency service transactions
 Medical areas such as medical examinations and nursing care
through home visits
Transition from payment at the time of the home visit to
account-to-account transfers
 Casa Direct (Collection agency service with rent guarantee)
The volume of transactions is continuously increasing through
collaborations with CASA
Future
development
Withdrawal of funds
from a bank account
Account-to-account
transfer request
Product
outline
 Increased demand for non-face-to-face and
non-contact payment methods during the
COVID-19 pandemic
 Rise in BPO demand to improve operational
efficiency against the backdrop of changes in
industrial structures and demographics
Market
environment
Business Growth Strategy⑥
Business expansion not dependent on assets
Topic 2: Collection agency service initiatives
17
Collection agency services remained firm amid the COVID-19 pandemic
Customer
Customer’s
client
Client’s
bank
①
②
③
④
⑤
Payment of
withdrawn funds
Submission of information
regarding the request
Payment of withdrawn funds
Initiatives
in
the
first
half
of
FY2021
 Collection through newspaper distributors
Transition from the collection of money to payment through
convenience stores
Cash card is read to
identify and record
the bank account.
The amount to be
invoiced is registered
through our system.
Withdrawal from the
registered bank
account (account-to
account transfer)
 Development of new services through collaborations
with investees and partners going beyond the field
of payments
 Provision of value-added services to real estate
related businesses

18.  Expansion of collaboration areas including
cooperative approaches
Progress is being made in the volume of transactions
with transactions approaching 4.6 billion yen toward
the target of 10.0 billion yen for FY2021. Mutual
referral of business deals and our promotion with
vendors introduced by Mizuho Leasing will continue
toward the 10 billion yen target.
・ Improved quality of operations processes
・ Quick decision-making process through
accurate management of budgets and results
Effects
Examples
 Realization of diverse workstyles through the
acceleration of DX and digitalization of operation
processes amid the COVID-19 pandemic
 Establishment of a core system to respond to new
businesses speedily and flexibly.
Purpose
of
investments
Continuation of IT investments
on a medium- to long-term basis
• Leveraging the two companies’ expertise and
infrastructure to strengthen sales and
financing functions
• Continued accumulation of expertise at Ricoh
Leasing.
 Creation of synergy through mutually
complementary customer bases and business
areas
 Creation of new business opportunities that neither
of the two companies have developed by
leveraging of their expertise and infrastructure.
Reinforcement of existing businesses and
creation of new business opportunities
Topic 3: Initiatives related to Mizuho Leasing
and IT investments
18
Strategy for Enhancement of Organizational Strength①
Development of a mission-critical system and operation
structure for pursuing high quality and high efficiency
paper
paper
Effects
Business Growth Strategy⑦
Business expansion under alliance with Mizuho
Leasing
Initiatives
Purpose
Progress in efforts to achieve the diversification
of the customer base portfolio by including
customers with whom volumes of transactions
have been small.
 Providing credit criteria with Mizuho Leasing
Ricoh Leasing provides credit criteria information to
Mizuho Leasing to support sales conducted by the
company’s clients.
 Digital workflows for lease expiration
Organized, standardized and partially automated the
procedures for the renewal or termination of
contracts for lease items whose periods are expiring.
Contribution to BCP measures through highly
efficient high-quality operations regardless of
workplace and staff.
 Power generation business operation system
・ Understands the power generation status quickly on
a contract-by-contract basis.
・ Centrally manages revenues from sales of power
and payments received and made

19. 4．Consolidated Income Forecast for
Fiscal Year Ending March 2022
19

20. • Gross profit has been revised upward, reflecting growth in Leases and Finance Business.
• Selling, general and administrative expenses will increase due to the additional accumulation of
precautionary allowances.
• It is expected that the dividend per share (annual) will be 115 yen, an increase for the 27th
consecutive period, and the dividend payout ratio will be 28.1%.
Consolidated Income Forecast
20
(Billion yen)
Actual
Revised
Forecast
Growth
Rate
Initial
Forecast
Growh
Rate
Net Sales 326.2 312.4 (4.2%) 311.7 (4.5%)
Gross Profit 37.7 40.0 6.1% 39.8 5.6%
20.2 21.5 6.3% 21.3 5.3%
Operating Profit 17.4 18.5 5.9% 18.5 5.9%
Ordinary Profit 17.5 18.3 4.5% 18.3 4.5%
Net Income 12.0 12.6 4.8% 12.6 4.8%
YoY change YoY change
Dividend per Share(yen) 100.00 115.00 15.00 115.00 15.00
Earnings per Share(yen) 389.93 408.76 18.83 408.76 18.83
Dividend Payout Ratio 25.6% 28.1% 2.5% 28.1% 2.5%
1.04% 1.05% 0.01% 1.06% 0.02%
6.4% 6.4% (0.0%) 6.4% (0.0%)
ROE（Return on Equity Ratio）
2021/3 2022/3 2022/3期
Selling, General and
Administrative Expenses
ROA（Return on Asset Ratio）
* Consecutive dividend increases include the substantial dividend increase due to the stock split in Fiscal Year Ended March 2000.

21. • While Service and Investment Businesses expects increases that are slower than initially expected,
Lease & Finance Business will grow mainly in Rental Business and Loans.
• Investment for strengthening the business foundation (human resources, IT infrastructure) will
continue. The provision of allowance for doubtful accounts will decrease year on year.
Gross Profit
Selling, General and
Administrative Expenses
21
17.47
billion yen
＋0.88
18.50
billion yen
＋1.44
(0.93)
(1.14)
Forecast on Factors Affecting
Operating Profit
21/3 4Q Cumulative Total 22/3 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
＋0.41
＋0.29
＋0.72
(0.03)
(0.64)
Other
expenses
Strategic
Expenses
Human
Resources
Financial
Expenses
(Billion Yen)
Provision of
allowance
for Doubtful
Accounts

22. • The initial forecasts have been revised due to the prolonged impact of the COVID-19 pandemic,
the semiconductor shortage and real estate prices which remain high.
• Leases and Finance Business and Investment Business expect increases with a focus on loans
and real estate-related investments, respectively.
22
Breakdown of Operating Assets —
Forecast
Actual
Increase/
Decrease
Revised
Forecast
Increase/
Decrease
Initial
Forecast
Increase/
Decrease
Finance Leases 599.7 (22.4) 604.0 4.2 611.0 11.2
Operating Leases 30.4 (0.1) 31.0 0.5 31.0 0.5
Total Leases 630.1 (22.6) 635.0 4.8 642.0 11.8
Installment Sales 161.6 8.7 165.0 3.3 165.0 3.3
791.8 (13.8) 800.0 8.1 807.0 15.1
Loans 200.6 18.9 227.0 26.3 228.0 27.3
Leases ＆ Finance Business 992.5 5.1 1,027.0 34.4 1,035.0 42.4
Investment Business 46.9 15.2 84.0 37.0 98.0 51.0
Total Operating Assets 1,039.4 20.3 1,111.0 71.5 1,133.0 93.5
2021/3 2022/3 2022/3
Total Transaction Volume for
Leases and Installment Sales
* The balance of operating assets includes the amount of the securitizations of lease receivables
(Billion yen)

23. 5． Reference Material
23

24. 2Q cumulative
total
Growth
Rate
2Q cumulative
total
Growth
Rate
Revised
Full-year
Forecast
Growth
Rate
Net Sales 173.5 4.7% 153.7 (11.4%) 312.4 (4.2%)
Leases 120.6 2.4% 113.6 (5.8%) 228.0 (2.9%)
Installment Sales 24.6 (3.7%) 15.9 (35.0%) 35.1 (20.7%)
Loans 1.7 14.2% 2.0 14.0% 4.2 13.7%
Commission Received 3.0 (0.1%) 3.5 15.0% 6.8 7.8%
Others 23.4 31.9% 18.5 (21.0%) 38.3 2.8%
Cost of Sales 154.7 4.5% 133.4 (13.7%) 272.4 (5.6%)
Leases 108.8 2.1% 101.2 (7.0%) - -
Installment Sales 22.9 (4.5%) 14.2 (37.7%) - -
Financial Expenses 0.6 24.1% 0.6 0.3% - -
Others 22.2 31.2% 17.2 (22.4%) - -
Gross Profit 18.8 6.7% 20.2 7.4% 40.0 6.1%
9.9 15.2% 8.6 (12.5%) 21.5 6.3%
Operating Profit 8.9 (1.4%) 11.5 29.4% 18.5 5.9%
Ordinary Profit 8.7 (3.2%) 11.6 32.7% 18.3 4.5%
Net Income 6.0 (3.0%) 7.9 31.2% 12.6 4.8%
2021/3 2022/3 2022/3
Selling, General and
Administrative Expenses
Consolidated Statements of Income
24
(Billion yen)

25. 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
25

26. 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
26

27. 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
27

28. 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
28

29. FY2020 – FY2022 Mid-term Management Plan
Strategy for Enhancement of Organizational Strength
29
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

30. 30
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 : 03-6204-0608
Email : ir@rle.ricoh.co.jp
URL : https://www.r-lease.co.jp
Ricoh Leasing Company, Ltd.