Ricoh Leasing Company, Ltd.

1. May 7, 2021
Ricoh Leasing Company, Ltd.
Fiscal Year
Ended March
2021 (FY2020)
Financial
Highlights

2. 2
Table of Contents
1. Consolidated Results for Fiscal Year Ended
March 2021
2. Performance by Segment
3. Topics on Mid-Term Management Plan
(FY2020 - FY2022)
4. Consolidated Income Forecast for Fiscal Year
Ending March 2022
5. Reference Material

3. 3
1. Consolidated Results for Fiscal Year
Ended March 2021

4. 4
Financial Performance Overview for Fiscal Year
Ended March 2021
* In this document, “Profit Attributable to Owners of Parent” is listed as “Net Income.”
1. Net sales decreased and profit increased.
The return on assets continued to improve and the Investment Business grew, which
resulted in a record profit.
2. Operating assets stood at 968.6 billion yen
（decreased 25.7 billion yen from the end of the previous fiscal
year）
Operating assets decreased due to the securitization of lease receivables.
If the securitization of lease receivables is not deducted, operating assets were 1,039.4
billion yen (increased 20.3 billion yen from the end of the previous fiscal year).
3. In the fiscal year ending March 2022, we forecast a decrease in
net sales and an increase in profit.
Operating profit will rise for the second consecutive year, to 18.5 billion yen.

5. 2020/3 2021/3
4Q
cumulative total
4Q
cumulative total
Growth
Rate
Full-year
Forecast
332.2 326.2 (1.8%) 330.4 98.7%
35.1 37.7 7.2% 36.9 102.2%
18.1 20.2 11.4% 20.2 100.1%
Provision of Allowance for Doubtful
Accounts
2.8 3.7 30.1% 3.2 117.1%
17.0 17.4 2.7% 16.7 104.6%
17.0 17.5 2.5% 16.4 106.8%
11.8 12.0 1.6% 11.3 106.4%
YoY change
90.00 100.00 10.00 95.00 －
382.80 389.93 7.13 366.59 －
23.5% 25.6% 2.1% 25.9% －
1.08% 1.04% (0.04%) 0.97% －
6.6% 6.4% (0.2%) 6.1% －
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
2021/3
Achievement
Rate
Net Sales
Gross Profit
(Billion Yen)
5
Consolidated Results
• An increase in allowance for doubtful accounts due to COVID-19 was offset by an increase in
gross profit.
• We will raise annual dividends per share to 100 yen, up from 95 yen, the full-year forecast (a
rise of 10 yen year on year).

6. Human
Resources
Financial
Expenses
Gross
Margin for
Investment
Business
Gross
Margin for
Services
Business
Gross
Margin for
Loans
21/3
4Q
cumulative total
20/3
4Q
cumulative total
Selling, General and
Administrative Expenses
Gross Profit
6
17.01
billion yen
17.47
billion yen
+0.28
+0.77
+1.61
+0.09
(0.86)
Factors Affecting Operating Profit
(Billion Yen)
Leases & Finance
Business
Gross
Margin for
Leases and
Installment
Sales
Business
(0.24)
(0.65)
(0.54)
Other
expenses
Allowance
for Doubtful
Accounts

7. 2020/3 2020/3
Actual Actual
Increase/
Decrease
Actual Actual
Increase/
Decrease
Cash and deposits 0.8 11.0 10.1
Short-term
Interest-Bearing Debt 211.1 225.4 14.3
Lease receivables and
investments in leases 597.5 528.9 (68.6)
Long-term
Interest-Bearing Debt 608.4 590.0 (18.4)
Installment receivables 172.1 182.9 10.7
Long-term payables
under securitization of
lease receivables
40.0 40.0 0.0
Accounts receivable
- operating loans
181.6 200.6 18.9 Other liabilities 109.4 113.9 4.4
Assets for lease 50.2 54.3 4.0 Total Liabilities 969.0 969.3 0.3
Allowance for doubtfulacoun (9.6) (11.8) (2.1) Total net assets 181.6 191.3 9.6
Other assets 157.9 194.7 36.7
Total assets 1,150.7 1,160.7 9.9 Total liabilities and net assets 1,150.7 1,160.7 9.9
2021/3 2021/3
(Billion Yen)
• Investments in leases decreased mainly due to the securitization of off-balance sheet lease
receivables.
• Other assets increased chiefly due to the purchase of investment securities.
7
Consolidated Balance Sheets
* 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.

8. (Billion yen)
562.7 576.1 589.8 622.1 599.7
20.8 23.0 29.0
30.5
30.4
95.8
111.3
133.1
152.9
161.6
129.2
143.7
160.6
181.6 200.6
2.0
9.2
31.7 46.9
808.6
856.3
921.9
1,019.1
1,039.4
0.18% 0.17% 0.17%
0.16%
0.15%
17/3 18/3 19/3 20/3 21/3
Investment Business
Loans
Installment Sales
Operating Leases
Finance Leases
Default Rate
8
• Operating assets, including
securitized lease receivables,
increased 20.3 billion yen from
the end of the previous fiscal
year, driven by Loans.
• The default rate remained at a
low level.
Operating Assets and Default Rate
* The balance of operating assets includes the
amount of securitization of lease receivables
(Amount of Securitized Lease Receivables for
21/3: 70.8 billion yen).
* Default rate = Default loss amount / Average
balance of operating assets

9.  Financial Expenses and Financial Expenses Ratio
9
• Funds were procured in diverse ways,
including the securitization of lease
receivables, positive impact finance
(PIF) and DBJ Employees’ Health
Management Rated Loan Program.
• Financial expenses increased due to
an increase in funds procured and
refinancing.
 Total Procurement Amount
Total Procurement Amount and
Financial Expenses
112.1 111.0 96.2 67.2 30.2
127.9 95.7 134.4 143.8 195.2
426.6 499.9
524.4 608.4 590.0
20.0
20.0
20.0
60.0 100.0
686.6
726.6
775.2
879.5
915.4
17/3 18/3 19/3 20/3 21/3
Payables under
securitization of lesase
receivables
Long-term Debt
Long-term Debt within one
year
Short-term Debt
1.16 1.08 1.02
1.12
1.36
0.15% 0.13% 0.12% 0.12% 0.14%
-0.50%
-0.30%
-0.10%
0.10%
0.30%
17/3 18/3 19/3 20/3 21/3
Financial
Expenses
Financial
Expenses
Ratio
(Billion yen)
(Billion yen)
* Financial expenses ratio = Financial expenses /
Average balance of operating assets
* 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.

10. 10
2．Performance by Segment

11. 11
Finance Leases
Operating Leases
Installment Sales
Rental
Leases and Installment Sales
Business
Financial Services Business
Leases & Finance Business
Services Business
Investment Business
Loans
Commission Business
• Collection Agency Services
• Factoring Services for
Healthcare & Nursing-Care
Facilities
Housing Rental
Finance Leases
Operating Leases
Installment Sales
Rental
Loans
Collection Agency Services
Factoring Services for
Healthcare & Nursing-Care
Facilities
Housing Rental and Real Estate
Solar Power Generation
Solar Power Generation
Others
Former segments New segments
Outline of Segment Changes
• In accordance with changes in management segments, reporting segments were changed in the
first quarter of the current fiscal year.

12. • In Leases & Finance Business, sales declined due to the securitization of lease receivables, etc. and
profit decreased due to an increase in the allowance for doubtful accounts, etc.
• In Services Business, collection agency services remained firm.
• Investment Business saw an increase in operating assets, which resulted in increases in sales and
profits, as a result of active business investment to date.
12
Performance by Segment
 Net sales and profit (Billion Yen)
 Operating Assets (Billion Yen)
* The balance of operating assets includes the amount of the securitizations of lease receivables
2020/3
4Q
cumulative total
4Q
cumulative total
Growth
Rate
Net Sales 325.9 318.1 (2.4%)
Segment Profit 16.9 16.8 (0.3%)
Net Sales 5.3 5.5 3.9%
Segment Profit 1.5 1.5 (0.3%)
Net Sales 0.9 2.5 172.4%
Segment Profit 0.0 0.6 620.6%
Services Business
2021/3
Leases & Finance Business
Investment Business
2020/3
Actual Actual
Increase/
Decrease
987.4 992.5 5.1
31.7 46.9 15.2
2021/3
Leases & Finance Business
Investment Business

13. 2020/3
4Q cumulative
total
4Q cumulative
total
Growth
Rate
Office and IT-Related Equipment 206.3 165.5 (19.8%) (12.5%)
Medical Equipment 37.3 31.4 (15.8%) (11.7%)
Industrial Machinery 47.9 33.3 (30.5%) (16.2%)
Commercial and Service Equipment 36.8 18.2 (50.5%) (19.3%)
Transport Equipment 22.0 21.7 (1.1%) (12.1%)
Others 63.4 60.8 (4.1%) (16.1%)
414.0 331.2 (20.0%) (14.1%)
Environmental Field 50.9 52.1 2.4%
2021/3 Japan Leasing
Association (cumulative
total from 20/4 to
21/3)
Growth Rate
Total Transaction Volume for Leases and Installment Sales
2020/3
4Q cumulative
total
4Q cumulative
total
Growth
Rate
Finance Leases 294.9 235.2 (20.3%)
Operating Leases 17.3 17.4 0.4%
Total Leases 312.3 252.6 (19.1%)
Installment Sales 101.7 78.5 (22.8%)
414.0 331.2 (20.0%)
Loans Transaction Volume 51.8 48.4 (6.6%)
465.8 379.6 (18.5%)
Total Transaction Volume for Leases and Installment Sales
Total Transaction Volume for Leases & Finance Business
2021/3
13
Actual Results of Leases ＆ Finance
Business
 Transaction Volume by Contract (Billion Yen)
 Leases and Installment Sales Transaction Volume by Product
* The Transaction Volume for Leases and Installment Sales for the Environmental Field is included in the transaction
volume of the above.
• Transaction volume declined due to the impact of COVID-19, the impact in the previous year of the
last-minute demand before the increase in consumption tax and OS migration-related demand.
• Acquired yields of new contracts continued to improve.

14. 60.6
72.0
78.1
100.6 97.5
5.9
6.7
7.9
11.1
7.5
-15
5
0.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
17/3 18/3 19/3 20/3 21/3
Transaction Volume Balance
• The number of transactions in Collection Agency Services continued to increase. The number of
new contracts recovered from the second quarter due to needs for avoiding human contact.
• Transaction volume and balance in Factoring Services for Healthcare & Nursing-Care Facilities
declined, reflecting applications for termination chiefly due to enhanced public support.
17.55
18.19
20.07
22.19
23.59
17/3 18/3 19/3 20/3 21/3
14
Actual Results of Services Business
 Number of Transactions in
Collection Agency Services
（million cases）
 Transaction Volume of Factoring
Services for Healthcare &
Nursing-Care Facilities (Billion yen)

15. • In Solar Power Generation, assets increased steadily despite construction delays caused by
COVID-19.
• We maintained a cautious stance in Housing Rental and Real Estate in consideration of market
conditions. The occupancy rate of the owned homes in Housing Rental remained high.
2020/3
Actual Actual
Increase/
Decrease
Solar Power Generation Business 8.3 16.6 8.3
Housing Rental and Real Estate Business 23.4 30.2 6.8
Total Operating Assets of Investment Business 31.7 46.9 15.2
2021/3
2020/3
4Q cumulative
total
4Q cumulative
total
Growth Rate
Solar Power Generation Business 5.9 6.5 10.1%
Housing Rental and Real Estate Business 17.3 9.8 (43.1%)
Total Investment Amount 23.2 16.4 (29.5%)
2021/3
15
Actual Results of Investment Business
 Investment Amount (Billion yen)
 Operating Assets (Billion yen)

16. 16
For strategies of the Mid-Term Management Plan,
please see Reference Material.
3． Topics on Mid-Term Management Plan
(FY2020 - FY2022)

17. 0
10
20
19/3 20/3 21/3
Trends in balance of assets in solar
power generation business
Topic 1: Initiatives in Environmental Field
17
Business Growth Strategy ③
Contributing to realizing a clean global environment rooted in
environmental circulation
Solar power generation expanded steadily.
Initiatives in FY2020
（billion yen）
Trends in power generation capacity
 253 sites started to
operate.(296 power
generation sites are in
operation.)
 Solar power plants
eligible for FIT, in
particular, produced
results.
Outlook for FY2021
 Developing a solar energy self-consumption model to break
away from FIT
 Diversifying methods, including equity investment, and
developing other power sources business operations
19/3 20/3 21/3
power generation
capacity（MW）
9.6 34.1 67.7

18. 19/3 20/3 21/3
Operating Assets
（billion yen）
11.5 13.6 15.0
0.0
5.0
10.0
15.0
17/3 18/3 19/3 20/3 21/3
Topic 2: Initiatives in Rental Business
18
Initiatives in FY2020
 Amid the COVID-19
pandemic, there was special
demand for ICT products
related to remote work and
for office equipment for local
governments.
 Obtained orders for
equipment rental and
measurement tasks related
to railways
Trends in operating assets
Outlook for FY2021
 Expanding business in collaboration with Ricoh Group
companies and vendors
 Establishing a business model that integrates rental and service
Sales at TECHNO RENTCO., LTD.
Business Growth Strategy ⑤
Reconstruction of the rental business
Rental demand increased at TECHNO RENT CO., LTD. amid the COVID-19 pandemic.
（billion yen）

19. 0.0
2.0
4.0
6.0
18/3 19/3 20/3 21/3
 Build a vendor finance scheme
－ Mizuho Leasing started to refer vendors to
Ricoh Leasing.
 Provide mutual customers with products that each
company has strengths in
－ Start of introduction of customers for Ricoh
Leasing’s collection agency service
 Promote creation of individual collaborative and
referral projects
－ Communications, healthcare and automobile
industries produced results
 Promote utilization centered on the mechanisms of
customer contact and applications
 Consider mid-term collaboration areas to create
new value
Topic 3: Initiatives in Housing and with
Mizuho Leasing
19
Business Growth Strategy ②
Creation of safe, secure and pleasant
housing and living environments
Expanding loans to condominium
management associations
Business Growth Strategy ⑦
Business expansion under alliance with
Mizuho Leasing
Strengthening existing business and
creating new business opportunities
Transaction volume resulted from collaboration
between the companies
10.0 billion yen
2.5 billion yen
FY2020
(result)
FY2021
(target)
Market
Enviro-
nment
Outline
of
product
 Increasing numbers of condominium
management associations do not have
sufficient repair reserves chiefly due to rising
repair work costs.
Loans
Repayment of loans
Condominium management
association
Trends in balance of loan assets at condominium
management associations
Initi-
atives
in
FY2020
Future
Develop-
ment
 Strengthening marketing to management
associations in the Tokyo area
 Expanding the housing business in
cooperation with invested companies
（billion yen）

20. 20
4．Consolidated Income Forecast for
Fiscal Year Ending March 2022

21. Full-year
Actual
Growth
Rate
Full-year
Forecast
Growth
Rate
Net Sales 326.2 (1.8%) 311.7 (4.5%)
Gross Profit 37.7 7.2% 39.8 5.6%
20.2 11.4% 21.3 5.3%
Provision of Allowance for
Doubtful Accounts
3.7 30.1% 2.1 (44.0%)
Operating Profit 17.4 2.7% 18.5 5.9%
Ordinary Profit 17.5 2.5% 18.3 4.5%
Net Income 12.0 1.6% 12.6 4.8%
YoY change YoY change
Dividend per Share (yen) 100.00 10.00 115.00 15.00
Earnings per Share (yen) 389.93 7.13 408.76 18.83
Dividend Payout Ratio 25.6% 2.1% 28.1% 2.5%
ROA (Return on Asset Ratio) 1.04% (0.04%) 1.06% 0.02%
ROE (Return on Equity Ratio) 6.4% (0.2%) 6.4% (0.0%)
2021/3 2022/3
Selling, General and
Administrative Expenses
Consolidated Income Forecast
21
(Billion yen)
* Consecutive dividend increases include the substantial dividend increase due to the stock split in Fiscal Year Ended March 2000.
• Sales are expected to decrease chiefly due to the securitization of lease receivables. Profit is
forecast to rise for the second consecutive year, reflecting growth in the Investment Business and
an increase in commission received.
• Annual Dividends will be 115 yen per share, an increase for the 27th consecutive fiscal year. The
Dividend Payout Ratio is expected to be 28.1%.

22. 21/3 4Q Cumulative Total
Gross Profit
Selling, General and
Administrative Expenses
Forecast on Factors Affecting Operating Profit
22
17.47
billion yen
＋0.30
＋1.08
18.50
billion yen
＋1.64
(0.93)
(1.14)
22/3 Full-Year Forecast
(Billion yen)
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
Financial
Expenses
Human
Resources
Strategic
Expenses
Other
expenses
Allowance
for Doubtful
Accounts
＋0.26
＋0.51
(0.08)
(0.64)
• Gross profit is forecast to rise in all segments.
• Investment for strengthening the business foundation (human resources, IT infrastructure) will
continue. The allowance for doubtful accounts will decrease year on year.

23. Actual
Increase/
Decrease
Forecast
Increase/
Decrease
Finance Leases 599.7 (22.4) 611.0 11.2
Operating Leases 30.4 (0.1) 31.0 0.5
Total Leases 630.1 (22.6) 642.0 11.8
Installment Sales 161.6 8.7 165.0 3.3
791.8 (13.8) 807.0 15.1
Loans 200.6 18.9 228.0 27.3
Leases ＆ Finance Business 992.5 5.1 1,035.0 42.4
Investment Business 46.9 15.2 98.0 51.0
Total Operating Assets 1,039.4 20.3 1,133.0 93.5
2021/3 2022/3
Total Transaction Volume for
Leases and Installment Sales
• Operating assets are expected to increase 93.5 billion yen, reflecting a recovery in transaction
volume.
• We expect that Leases & Finance Business will increase, chiefly reflecting an increase in Loans.
The Investment Business is expected to increase chiefly due to a rise in Housing Rental and Real
Estate Business.
Breakdown of Operating Assets —
Forecast
23
(Billion yen)
* The balance of operating assets includes the amount of the securitizations of lease receivables

24. Actual
YoY
Growth
Forecast
CAGR
2020/3-
2022/3
Mid-Term
Target
Value
CAGR
2020/3-
2023/3
Operating Profit 17.0 17.4 2.7% 18.5 4.3% 20.0 5.5%
ROE
（Return on Equity Ratio）
6.6% 6.4% ー 6.4% ー 6.7% or more ー
Operating Assets
（including securitization
of receivables）
1,019.1 1,039.4 2.0% 1,133.0 5.4% 1,200.0 5.6%
Dividend Payout
Ratio
23.5% 25.6% ー 28.1% ー 30.0% ー
ー 1.1% or more ー
2020/3
2021/3 2022/3 2023/3
ROA
（Return on Asset Ratio）
1.08% 1.04% － 1.06%
• We will execute measures to achieve business growth and enhance organizational strength to
achieve the targets in the Mid-Term Management Plan.
Progress in Mid-Term Management Plan
24
(Billion yen)

25. 25
５． Reference Material

26. 4Q cumulative
total
Growth
Rate
4Q cumulative
total
Growth
Rate
Full-year
Forecast
Growth
Rate
Net Sales 332.2 5.8% 326.2 (1.8%) 311.7 (4.5%)
Leases 238.4 3.6% 234.7 (1.5%) 227.0 (3.3%)
Installment Sales 51.1 1.3% 44.2 (13.4%) 44.5 0.5%
Loans 3.2 13.7% 3.6 12.4% 4.2 13.7%
Commission Received 6.1 7.1% 6.3 2.8% 6.5 3.1%
Others 33.3 34.9% 37.2 11.8% 29.5 (20.8%)
Cost of Sales 297.0 5.7% 288.5 (2.9%) 271.9 (5.8%)
Leases 215.4 3.3% 210.8 (2.1%) - -
Installment Sales 47.9 0.7% 41.0 (14.5%) - -
Financial Expenses 1.1 10.2% 1.3 21.5% - -
Others 32.5 37.1% 35.2 8.5% - -
Gross Profit 35.1 6.8% 37.7 7.2% 39.8 5.6%
18.1 15.9% 20.2 11.4% 21.3 5.3%
Operating Profit 17.0 (1.5%) 17.4 2.7% 18.5 5.9%
Ordinary Profit 17.0 (1.7%) 17.5 2.5% 18.3 4.5%
Net Income 11.8 (1.0%) 12.0 1.6% 12.6 4.8%
2020/3 2021/3 2022/3
Selling, General and
Administrative Expenses
Consolidated Statements of Income
26
(Billion yen)

27. 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
27

28. 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
28

29. 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
29

30. 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
30

31. FY2020 – FY2022 Mid-term Management Plan
Strategy for Enhancement of Organizational Strength
31
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

32. 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.