The document provides an overview of Ricoh Leasing Company's financial results for the 2022 fiscal year (FY2021). Key points include:
1. Net sales decreased but profit increased, hitting record highs due to continued improvement in returns on assets and rental business growth.
2. Operating assets increased to 984.2 billion yen due to growth in loans and investment businesses.
3. Operating profit for FY2023 is forecast to be 20 billion yen, rising for the third consecutive year and achieving management plan targets.
First Quarter of Fiscal Year Ending March 2022 (FY2021) Financial HighlightsRicohLease
This document provides an overview of Ricoh Leasing Company's financial results for the first quarter of fiscal year 2022, which ended in March 2022. It discusses consolidated results including a year-over-year decrease in net sales but an increase in profit. It also reviews performance by business segment and maintains the full-year forecast. Key points include steady improvement in return on assets, growth in the rental business, and an increase in operating assets due to transaction volume and investment amount growth.
Fiscal Year Ended March 2020 (FY2019) Financial Highlights RicohLease
The document summarizes the financial results for Ricoh Leasing Company for the fiscal year ending March 2020. Key points include:
- Net sales and gross profit reached record highs, but operating profit and net income decreased due to an increase in allowance for doubtful accounts.
- The transaction volume of leases and installment sales as well as loans increased. Investments in new businesses also expanded steadily.
- Operating assets increased by 97.2 billion yen due to acquiring new contracts steadily, while the default rate remained low.
Second Quarter of Fiscal Year Ending March 2022(FY2021) Financial HighlightsRicohLease
1. The document provides an overview of Ricoh Leasing Company's financial results for the second quarter of the fiscal year ending March 2022.
2. Net sales decreased but profit increased, exceeding previous highs due to continued improvement in returns on assets and growth in the Rental Business. Operating assets increased due to growth in the Loans and Investment Business.
3. Revisions were made to forecasts for net sales and gross profit for the fiscal year, with operating profit forecast unchanged. The Leases & Finance Business grew more than initially expected but expenses rose due to COVID-19 impacts.
Fiscal Year Ended March 2021 (FY2020)Financial HighlightsRicohLease
- Ricoh Leasing Company reported financial results for the fiscal year ended March 2021, with net sales decreasing 1.8% but profit increasing 11.4% compared to the previous fiscal year.
- Operating assets decreased slightly due to securitization of lease receivables but increased when excluding this effect.
- For the current fiscal year ending March 2022, the company forecasts a decrease in net sales but an increase in profit, with operating profit rising for the second consecutive year.
Presentation Material for 3Q / Mar. 2020RicohLease
- The document summarizes Ricoh Leasing Company's financial results for the third quarter of the fiscal year ending March 2020. Net sales and profits reached record highs and performance was progressing steadily towards full-year forecasts. Operating assets increased by 69.1 billion yen from the previous term due to acquiring contracts. The default rate decreased due to increased operating assets while default loss showed a slight increase.
Presentation Material for 2Q / Mar. 2020RicohLease
- Ricoh Leasing reported financial results for the second quarter of FY2019, with net sales and profits increasing year-over-year for the tenth and second consecutive periods respectively.
- Transaction volumes and investment amounts progressed steadily for leases, installment sales, and loans. The environmental field saw a large increase.
- Operating assets increased by 54.1 billion yen from the end of the previous fiscal year due to steadily acquiring contracts. The interim dividend per share was 45 yen as forecasted.
Third Quarter of Fiscal Year Ending March 2021 (FY2020) Financial HighlightsRicohLease
This document provides a summary of Ricoh Leasing Company's financial results for the third quarter of the 2021 fiscal year.
- Net sales and profits increased year-over-year for the 11th and 7th consecutive periods respectively, despite an allowance for doubtful accounts from COVID-19. Operating assets decreased due to securitization.
- Performance was generally positive across business segments. The investment business saw sales and profit increases from prior investments.
- Ricoh is monitoring the full-year forecast carefully due to uncertainty from the pandemic, but progress has been made towards the operating profit target so far.
Presentation Material for 2Q / Mar. 2021RicohLease
This document provides an overview of Ricoh Leasing Company's financial results for the second quarter of FY2020-2021. Key points include:
1. Net sales increased but profit decreased due to higher allowance for doubtful accounts from COVID-19 impacts. Operating assets decreased from securitization of lease receivables.
2. The Leases & Finance segment saw increased gross profit but lower segment profit due to higher doubtful account provisions. The Services and Investment segments both increased sales and profits.
3. Transaction volumes declined across most product categories from COVID-19 impacts, though new contract yields continued improving. Collection agency transactions increased while factoring services were stable.
First Quarter of Fiscal Year Ending March 2022 (FY2021) Financial HighlightsRicohLease
This document provides an overview of Ricoh Leasing Company's financial results for the first quarter of fiscal year 2022, which ended in March 2022. It discusses consolidated results including a year-over-year decrease in net sales but an increase in profit. It also reviews performance by business segment and maintains the full-year forecast. Key points include steady improvement in return on assets, growth in the rental business, and an increase in operating assets due to transaction volume and investment amount growth.
Fiscal Year Ended March 2020 (FY2019) Financial Highlights RicohLease
The document summarizes the financial results for Ricoh Leasing Company for the fiscal year ending March 2020. Key points include:
- Net sales and gross profit reached record highs, but operating profit and net income decreased due to an increase in allowance for doubtful accounts.
- The transaction volume of leases and installment sales as well as loans increased. Investments in new businesses also expanded steadily.
- Operating assets increased by 97.2 billion yen due to acquiring new contracts steadily, while the default rate remained low.
Second Quarter of Fiscal Year Ending March 2022(FY2021) Financial HighlightsRicohLease
1. The document provides an overview of Ricoh Leasing Company's financial results for the second quarter of the fiscal year ending March 2022.
2. Net sales decreased but profit increased, exceeding previous highs due to continued improvement in returns on assets and growth in the Rental Business. Operating assets increased due to growth in the Loans and Investment Business.
3. Revisions were made to forecasts for net sales and gross profit for the fiscal year, with operating profit forecast unchanged. The Leases & Finance Business grew more than initially expected but expenses rose due to COVID-19 impacts.
Fiscal Year Ended March 2021 (FY2020)Financial HighlightsRicohLease
- Ricoh Leasing Company reported financial results for the fiscal year ended March 2021, with net sales decreasing 1.8% but profit increasing 11.4% compared to the previous fiscal year.
- Operating assets decreased slightly due to securitization of lease receivables but increased when excluding this effect.
- For the current fiscal year ending March 2022, the company forecasts a decrease in net sales but an increase in profit, with operating profit rising for the second consecutive year.
Presentation Material for 3Q / Mar. 2020RicohLease
- The document summarizes Ricoh Leasing Company's financial results for the third quarter of the fiscal year ending March 2020. Net sales and profits reached record highs and performance was progressing steadily towards full-year forecasts. Operating assets increased by 69.1 billion yen from the previous term due to acquiring contracts. The default rate decreased due to increased operating assets while default loss showed a slight increase.
Presentation Material for 2Q / Mar. 2020RicohLease
- Ricoh Leasing reported financial results for the second quarter of FY2019, with net sales and profits increasing year-over-year for the tenth and second consecutive periods respectively.
- Transaction volumes and investment amounts progressed steadily for leases, installment sales, and loans. The environmental field saw a large increase.
- Operating assets increased by 54.1 billion yen from the end of the previous fiscal year due to steadily acquiring contracts. The interim dividend per share was 45 yen as forecasted.
Third Quarter of Fiscal Year Ending March 2021 (FY2020) Financial HighlightsRicohLease
This document provides a summary of Ricoh Leasing Company's financial results for the third quarter of the 2021 fiscal year.
- Net sales and profits increased year-over-year for the 11th and 7th consecutive periods respectively, despite an allowance for doubtful accounts from COVID-19. Operating assets decreased due to securitization.
- Performance was generally positive across business segments. The investment business saw sales and profit increases from prior investments.
- Ricoh is monitoring the full-year forecast carefully due to uncertainty from the pandemic, but progress has been made towards the operating profit target so far.
Presentation Material for 2Q / Mar. 2021RicohLease
This document provides an overview of Ricoh Leasing Company's financial results for the second quarter of FY2020-2021. Key points include:
1. Net sales increased but profit decreased due to higher allowance for doubtful accounts from COVID-19 impacts. Operating assets decreased from securitization of lease receivables.
2. The Leases & Finance segment saw increased gross profit but lower segment profit due to higher doubtful account provisions. The Services and Investment segments both increased sales and profits.
3. Transaction volumes declined across most product categories from COVID-19 impacts, though new contract yields continued improving. Collection agency transactions increased while factoring services were stable.
Third Quarter of Fiscal Year Ending March 2022 (FY2021) Financial HighlightsRicohLease
- Net sales decreased 7.3% year-over-year for Ricoh Leasing due to declines in installment sales and transaction volume from prolonged COVID and semiconductor shortages, however profit increased 17.5% from improved returns.
- Operating assets decreased slightly to 967.9 billion yen due to decreased transaction volume.
- Progress was made toward the 18.5 billion yen full-year operating profit forecast, though uncertainty remains in the market.
Presentation Material for 2Q / Mar. 2019RicohLease
This document provides financial highlights and results for Ricoh Leasing Company's second quarter of fiscal year 2019, which ended in September 2018. It summarizes that net sales increased 2.8% year-over-year to a record high of 155.4 billion yen due to steady growth in operating assets. Gross profit also increased 3.9% to a record high of 16.1 billion yen. Operating profit rose 2.2% to 8.6 billion yen, while net income grew 3.9% to 5.9 billion yen. Both leases/installment sales and financial services businesses contributed to these gains. Transaction volumes and operating assets continued trending upward.
Presentation Material for 1Q / Mar. 2021RicohLease
- Net sales increased but profit decreased due to a rise in allowance for doubtful accounts from COVID-19's impact.
- Transaction volume declined in the first quarter compared to the previous year, especially for industrial machinery.
- The services business saw sales and profit increases, while collection agency transactions decreased as new contract acquisition was curtailed.
- Investment business operating assets grew as solar power generation progressed as planned, while the real estate business maintained caution.
Second Quarter of Fiscal Year Ending March 2018 (FY2017)Briefing on Financial...RicohLease
This document provides a briefing on Ricoh Leasing Company's financial results for the second quarter of Fiscal Year 2017, which ended in September 2017. It discusses the company's consolidated results including record high net sales and operating profit that progressed as expected. It also reviews performance by business segment and topics covered in the company's mid-term management plan, including initiatives in expanding their environmental business. The briefing includes forecasts for the full fiscal year and provides key financial metrics and trends.
Third Quarter of Fiscal Year Ending March 2019(FY2018) Financial HighlightsRicohLease
- Net sales, gross profit, operating profit, ordinary profit, and net income all reached record highs for the third quarter. Performance progressed steadily against full-year forecasts.
- Profits increased due to higher yields on new contracts and steady growth in operating assets. The leases and installment sales business saw higher transaction volumes.
- The financial services business saw increased commissions from collection services and loans. Transaction volumes grew for factoring and lending.
- Operating assets increased to a record high due to acquiring new contracts. The default rate declined despite a slight rise in default losses.
First Quarter of Fiscal Year Ending March 2019(FY2018) Financial HighlightsRicohLease
Ricoh Leasing Company reported financial results for the first quarter of the fiscal year ending March 2019. Key highlights include:
- Gross profit increased 2.1% to 80.8 billion yen due to higher operating assets and commission income.
- Operating profit grew 0.4% to 43.3 billion yen as strategic expenses such as personnel costs rose.
- Net income declined slightly by 0.6% to 30.1 billion yen.
- The company forecasts full-year revenue growth of 3% and net income growth of under 1%. Operating assets reached a record high.
Presentation Material for 1Q / Mar. 2020RicohLease
This document summarizes the financial highlights of Ricoh Leasing Company for the first quarter of the fiscal year ending March 2020. Key points include:
- Net sales, gross profit, operating profit, ordinary profit, and net income all reached record highs for the quarter and continued to increase year-over-year.
- Operating assets also reached a record high, increasing to 936.0 billion yen for the quarter.
- Transaction volumes increased across key business segments such as leases and installment sales, collection agency services, and factoring services for healthcare.
- Financial metrics like the default rate and financial expenses ratio improved compared to the same quarter last year.
The document provides an overview of the financial highlights for Ricoh Leasing Company for the fiscal year ending March 2019. Some key points:
- Net sales increased 3.2% to 313.9 billion yen, with all profit categories achieving record highs and plans.
- Operating assets increased 65.5 billion yen to 921.9 billion yen due to higher quality assets.
- The leases and installment sales segment saw increased transaction volumes, especially in commercial equipment and transport. The financial services segment also saw steady growth.
- Gross profit margins stabilized due to improved asset quality and higher commissions, after previously declining.
So in summary, Ricoh Leasing achieved record
Third Quarter of Fiscal Year Ending March 2018(FY2017) Financial HighlightsRicohLease
Ricoh Leasing Company reported financial results for the third quarter of FY2017 ending March 2018. Net sales increased 2.1% year-over-year to 227.1 billion yen due to steady growth in operating assets. Operating profit of 12.7 billion yen progressed as expected despite higher expenses. For the full year, the company forecasts net sales growth of 2.1% and operating profit decline of 3.1%, with continued expansion of operating assets and a focus on strategic investments.
Fiscal Year Ended March 2018 (FY2017) Financial Results BriefingRicohLease
This document summarizes Ricoh Leasing Company's financial results for the fiscal year ended March 2018. While net sales reached a record high of 304 billion yen, operating profit fell short of plans due to higher-than-expected bad debt expenses. The leasing and installment sales business saw increased transaction volumes but lower profits, while the financial services segment grew revenues and profits. Total assets also reached a record high of over 8.5 trillion yen.
The document provides financial results for transcosmos inc. for Q1-Q2 FY2019/3 (April-September 2018).
Key points:
- Consolidated sales increased 8.7% year-over-year driven by growth in the parent company and overseas affiliates.
- Consolidated operating income was flat year-over-year as growth in domestic and overseas affiliates offset a decline in the parent company.
- Net income increased significantly due to higher ordinary income and extraordinary gains from selling affiliate shares.
- The balance sheet strengthened with increases in cash/cash equivalents and retained earnings.
Evaluation Of Companys Performance Powerpoint Presentation SlidesSlideTeam
This complete deck can be used to present to your team. It has PPT slides on various topics highlighting all the core areas of your business needs. This complete deck focuses on Evaluation Of Companys Performance Powerpoint Presentation Slides and has professionally designed templates with suitable visuals and appropriate content. This deck consists of total of seventy two slides. All the slides are completely customizable for your convenience. You can change the colour, text and font size of these templates. You can add or delete the content if needed. Get access to this professionally designed complete presentation by clicking the download button below. https://bit.ly/3vwxPMW
- Global sales and earnings declined in Q1 2022 due to external factors like prolonged COVID-19 pandemic and Russian invasion of Ukraine. However, earnings increased due to higher sales of larger and more profitable models.
- Asset quality was stable with delinquency staying below 1% despite slowing global car sales, supported by diversified funding portfolio and strong partnerships with Hyundai Motor Group.
- While revenue grew with expanding auto loan assets, earnings increased modestly as stable bad debt expenses and improved efficiency offset slowing sales. Financial structure was soundly maintained within regulatory guidelines.
Itaú Unibanco reported its 4th quarter 2011 earnings results. Recurring net income reached R$3.7 billion in Q4 2011 and R$14.6 billion for the full year 2011. The loan portfolio grew 3.9% in Q4 2011 and 19.1% over 2010 to a total of R$397 billion. Non-interest expenses grew 1.7% in Q4 2011 and 9.5% for the full year. Total assets grew 4.6% in Q4 2011 to R$851.3 billion while stockholders' equity increased 8% to R$71.3 billion.
- Sales and profits recovered in 2022 despite external uncertainties such as chip shortages and the Ukraine war. Asset growth was driven by increased car sales, particularly of high-ASP models.
- Profitability increased sharply due to sales growth of more profitable vehicles and a stable domestic car market. The operating margin rose to 7.5% from 5.9% the previous year.
- The lease business continued expanding, contributing to revenue and profit growth. Non-auto assets also increased through partnerships with Hyundai Motor. Financial stability was maintained within regulatory guidelines.
The document provides financial statements and key performance indicators for a company over several quarters and fiscal years. It includes income statements, balance sheets, cash flow statements, and common financial ratios analyzed over time. Charts are presented to show trends in revenue, costs, profits, assets, liabilities, cash flows, return on assets, debt ratios and other metrics. Projections for income statements and balance sheets are also included out to several future years.
ING Vyasa Bank Q2FY14 Result: Maintain neutralIndiaNotes.com
ING Vysya Bank’s (VYSB) 2QFY15 PAT was 9% above estimate at INR1.8b (+2% YoY) led by better-than-expected NIM (+10bp) and lower provisioning. Reported NIM improved 17bp QoQ to 3.54%. However, adjusted for interest reversal on account of stressed accounts in 1QFY15, NIM was stable QoQ at 3.54%.
Example Presentation Of Financial Reports PowerPoint Presentation Slides SlideTeam
Every organization needs to adapt to the ever-changing business environment. Sensing this need, we have come up with these content-ready change management PowerPoint presentation slides. These change management PPT templates will help you deal with any kind of an organizational change. Be it with people, goals or processes. The business solutions incorporated here will help you identify the organizational structure, create vision for change, implement strategies, identify resistance and risk, manage cost of change, get feedback and evaluation, and much more. With the help of various change management tools and techniques illustrated in this presentation design, you can achieve the desired business outcomes. This business transition PowerPoint design also covers certain related topics such as change model, transformation strategy, change readiness, change control, project management and business process. By implementing the change control methods mentioned in the presentation, you will be able to have a smooth transition in an organization. So, without waiting much, download our extensively researched change management framework presentation. With our Change Management Presentation slides, understand the need for change and plan to go through it without any hassles.
Vaibhav Global Q1FY15: Outlook continues to remain positive; HoldIndiaNotes.com
As expected, the company reported sales growth of 20.3% yoy to Rs 301 cr, on account of sluggish TV Sales. Q1 is a temporary blip and Nirmal Bang expects the growth to be normalized from Q3 onwards (Q2 is seasonally weak quarter for the company). Hold
- Sales and profits were impacted by external factors such as chip shortages and the Ukraine war, however margin increased due to an improved product mix.
- Assets and income grew due to increased lease volume and a focus on high-value models, despite a decline in overall vehicle sales.
- Solid financial performance was maintained through efficient operations and strong asset quality, while further diversifying funding sources.
Third Quarter of Fiscal Year Ending March 2022 (FY2021) Financial HighlightsRicohLease
- Net sales decreased 7.3% year-over-year for Ricoh Leasing due to declines in installment sales and transaction volume from prolonged COVID and semiconductor shortages, however profit increased 17.5% from improved returns.
- Operating assets decreased slightly to 967.9 billion yen due to decreased transaction volume.
- Progress was made toward the 18.5 billion yen full-year operating profit forecast, though uncertainty remains in the market.
Presentation Material for 2Q / Mar. 2019RicohLease
This document provides financial highlights and results for Ricoh Leasing Company's second quarter of fiscal year 2019, which ended in September 2018. It summarizes that net sales increased 2.8% year-over-year to a record high of 155.4 billion yen due to steady growth in operating assets. Gross profit also increased 3.9% to a record high of 16.1 billion yen. Operating profit rose 2.2% to 8.6 billion yen, while net income grew 3.9% to 5.9 billion yen. Both leases/installment sales and financial services businesses contributed to these gains. Transaction volumes and operating assets continued trending upward.
Presentation Material for 1Q / Mar. 2021RicohLease
- Net sales increased but profit decreased due to a rise in allowance for doubtful accounts from COVID-19's impact.
- Transaction volume declined in the first quarter compared to the previous year, especially for industrial machinery.
- The services business saw sales and profit increases, while collection agency transactions decreased as new contract acquisition was curtailed.
- Investment business operating assets grew as solar power generation progressed as planned, while the real estate business maintained caution.
Second Quarter of Fiscal Year Ending March 2018 (FY2017)Briefing on Financial...RicohLease
This document provides a briefing on Ricoh Leasing Company's financial results for the second quarter of Fiscal Year 2017, which ended in September 2017. It discusses the company's consolidated results including record high net sales and operating profit that progressed as expected. It also reviews performance by business segment and topics covered in the company's mid-term management plan, including initiatives in expanding their environmental business. The briefing includes forecasts for the full fiscal year and provides key financial metrics and trends.
Third Quarter of Fiscal Year Ending March 2019(FY2018) Financial HighlightsRicohLease
- Net sales, gross profit, operating profit, ordinary profit, and net income all reached record highs for the third quarter. Performance progressed steadily against full-year forecasts.
- Profits increased due to higher yields on new contracts and steady growth in operating assets. The leases and installment sales business saw higher transaction volumes.
- The financial services business saw increased commissions from collection services and loans. Transaction volumes grew for factoring and lending.
- Operating assets increased to a record high due to acquiring new contracts. The default rate declined despite a slight rise in default losses.
First Quarter of Fiscal Year Ending March 2019(FY2018) Financial HighlightsRicohLease
Ricoh Leasing Company reported financial results for the first quarter of the fiscal year ending March 2019. Key highlights include:
- Gross profit increased 2.1% to 80.8 billion yen due to higher operating assets and commission income.
- Operating profit grew 0.4% to 43.3 billion yen as strategic expenses such as personnel costs rose.
- Net income declined slightly by 0.6% to 30.1 billion yen.
- The company forecasts full-year revenue growth of 3% and net income growth of under 1%. Operating assets reached a record high.
Presentation Material for 1Q / Mar. 2020RicohLease
This document summarizes the financial highlights of Ricoh Leasing Company for the first quarter of the fiscal year ending March 2020. Key points include:
- Net sales, gross profit, operating profit, ordinary profit, and net income all reached record highs for the quarter and continued to increase year-over-year.
- Operating assets also reached a record high, increasing to 936.0 billion yen for the quarter.
- Transaction volumes increased across key business segments such as leases and installment sales, collection agency services, and factoring services for healthcare.
- Financial metrics like the default rate and financial expenses ratio improved compared to the same quarter last year.
The document provides an overview of the financial highlights for Ricoh Leasing Company for the fiscal year ending March 2019. Some key points:
- Net sales increased 3.2% to 313.9 billion yen, with all profit categories achieving record highs and plans.
- Operating assets increased 65.5 billion yen to 921.9 billion yen due to higher quality assets.
- The leases and installment sales segment saw increased transaction volumes, especially in commercial equipment and transport. The financial services segment also saw steady growth.
- Gross profit margins stabilized due to improved asset quality and higher commissions, after previously declining.
So in summary, Ricoh Leasing achieved record
Third Quarter of Fiscal Year Ending March 2018(FY2017) Financial HighlightsRicohLease
Ricoh Leasing Company reported financial results for the third quarter of FY2017 ending March 2018. Net sales increased 2.1% year-over-year to 227.1 billion yen due to steady growth in operating assets. Operating profit of 12.7 billion yen progressed as expected despite higher expenses. For the full year, the company forecasts net sales growth of 2.1% and operating profit decline of 3.1%, with continued expansion of operating assets and a focus on strategic investments.
Fiscal Year Ended March 2018 (FY2017) Financial Results BriefingRicohLease
This document summarizes Ricoh Leasing Company's financial results for the fiscal year ended March 2018. While net sales reached a record high of 304 billion yen, operating profit fell short of plans due to higher-than-expected bad debt expenses. The leasing and installment sales business saw increased transaction volumes but lower profits, while the financial services segment grew revenues and profits. Total assets also reached a record high of over 8.5 trillion yen.
The document provides financial results for transcosmos inc. for Q1-Q2 FY2019/3 (April-September 2018).
Key points:
- Consolidated sales increased 8.7% year-over-year driven by growth in the parent company and overseas affiliates.
- Consolidated operating income was flat year-over-year as growth in domestic and overseas affiliates offset a decline in the parent company.
- Net income increased significantly due to higher ordinary income and extraordinary gains from selling affiliate shares.
- The balance sheet strengthened with increases in cash/cash equivalents and retained earnings.
Evaluation Of Companys Performance Powerpoint Presentation SlidesSlideTeam
This complete deck can be used to present to your team. It has PPT slides on various topics highlighting all the core areas of your business needs. This complete deck focuses on Evaluation Of Companys Performance Powerpoint Presentation Slides and has professionally designed templates with suitable visuals and appropriate content. This deck consists of total of seventy two slides. All the slides are completely customizable for your convenience. You can change the colour, text and font size of these templates. You can add or delete the content if needed. Get access to this professionally designed complete presentation by clicking the download button below. https://bit.ly/3vwxPMW
- Global sales and earnings declined in Q1 2022 due to external factors like prolonged COVID-19 pandemic and Russian invasion of Ukraine. However, earnings increased due to higher sales of larger and more profitable models.
- Asset quality was stable with delinquency staying below 1% despite slowing global car sales, supported by diversified funding portfolio and strong partnerships with Hyundai Motor Group.
- While revenue grew with expanding auto loan assets, earnings increased modestly as stable bad debt expenses and improved efficiency offset slowing sales. Financial structure was soundly maintained within regulatory guidelines.
Itaú Unibanco reported its 4th quarter 2011 earnings results. Recurring net income reached R$3.7 billion in Q4 2011 and R$14.6 billion for the full year 2011. The loan portfolio grew 3.9% in Q4 2011 and 19.1% over 2010 to a total of R$397 billion. Non-interest expenses grew 1.7% in Q4 2011 and 9.5% for the full year. Total assets grew 4.6% in Q4 2011 to R$851.3 billion while stockholders' equity increased 8% to R$71.3 billion.
- Sales and profits recovered in 2022 despite external uncertainties such as chip shortages and the Ukraine war. Asset growth was driven by increased car sales, particularly of high-ASP models.
- Profitability increased sharply due to sales growth of more profitable vehicles and a stable domestic car market. The operating margin rose to 7.5% from 5.9% the previous year.
- The lease business continued expanding, contributing to revenue and profit growth. Non-auto assets also increased through partnerships with Hyundai Motor. Financial stability was maintained within regulatory guidelines.
The document provides financial statements and key performance indicators for a company over several quarters and fiscal years. It includes income statements, balance sheets, cash flow statements, and common financial ratios analyzed over time. Charts are presented to show trends in revenue, costs, profits, assets, liabilities, cash flows, return on assets, debt ratios and other metrics. Projections for income statements and balance sheets are also included out to several future years.
ING Vyasa Bank Q2FY14 Result: Maintain neutralIndiaNotes.com
ING Vysya Bank’s (VYSB) 2QFY15 PAT was 9% above estimate at INR1.8b (+2% YoY) led by better-than-expected NIM (+10bp) and lower provisioning. Reported NIM improved 17bp QoQ to 3.54%. However, adjusted for interest reversal on account of stressed accounts in 1QFY15, NIM was stable QoQ at 3.54%.
Example Presentation Of Financial Reports PowerPoint Presentation Slides SlideTeam
Every organization needs to adapt to the ever-changing business environment. Sensing this need, we have come up with these content-ready change management PowerPoint presentation slides. These change management PPT templates will help you deal with any kind of an organizational change. Be it with people, goals or processes. The business solutions incorporated here will help you identify the organizational structure, create vision for change, implement strategies, identify resistance and risk, manage cost of change, get feedback and evaluation, and much more. With the help of various change management tools and techniques illustrated in this presentation design, you can achieve the desired business outcomes. This business transition PowerPoint design also covers certain related topics such as change model, transformation strategy, change readiness, change control, project management and business process. By implementing the change control methods mentioned in the presentation, you will be able to have a smooth transition in an organization. So, without waiting much, download our extensively researched change management framework presentation. With our Change Management Presentation slides, understand the need for change and plan to go through it without any hassles.
Vaibhav Global Q1FY15: Outlook continues to remain positive; HoldIndiaNotes.com
As expected, the company reported sales growth of 20.3% yoy to Rs 301 cr, on account of sluggish TV Sales. Q1 is a temporary blip and Nirmal Bang expects the growth to be normalized from Q3 onwards (Q2 is seasonally weak quarter for the company). Hold
- Sales and profits were impacted by external factors such as chip shortages and the Ukraine war, however margin increased due to an improved product mix.
- Assets and income grew due to increased lease volume and a focus on high-value models, despite a decline in overall vehicle sales.
- Solid financial performance was maintained through efficient operations and strong asset quality, while further diversifying funding sources.
Taurus Zodiac Sign: Unveiling the Traits, Dates, and Horoscope Insights of th...my Pandit
Dive into the steadfast world of the Taurus Zodiac Sign. Discover the grounded, stable, and logical nature of Taurus individuals, and explore their key personality traits, important dates, and horoscope insights. Learn how the determination and patience of the Taurus sign make them the rock-steady achievers and anchors of the zodiac.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdfthesiliconleaders
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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
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
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.
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)
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.