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

1. Fiscal Year
Ended March
2019 (FY2018)
Financial
Highlights
May 9, 2019
Ricoh Leasing Company, Ltd.

2. Intentionally blank

3. Table of Contents
1. Consolidated Results for Fiscal Year Ended
March 2019
2. Consolidated Income Forecast for Fiscal
Year Ending March 2020
3. Progress of the Mid-term Management Plan
4. Reference Material
3

4. １. Consolidated Results for
Fiscal Year Ended March 2019
4

5. Net Sales : 313.9 billion yen (+3.2%)
Expanded income for nine consecutive periods;
posted another record high & achieved the plan
Gross Profit : 32.9 billion yen (+5.4％)
Expanded income for six consecutive periods;
posted another record high & achieved the plan
Operating Profit : 17.2 billion yen (+4.4％)
Achieved the plan
Ordinary Profit : 17.3 billion yen (+5.9％)
Posted another record high & achieved the plan
Net Inome : 11.9 billion yen (+5.6％)
Posted another record high & achieved the plan
Operating Assets (substantial) : 921.9 billion yen (＋65.5 billion yen)
Posted another record high & achieved the plan
Dividend Per Share : 80 yen (+10 yen)
Dividend increase for 24 consecutive periods is planned
Financial Performance Overview for
Fiscal Year Ended March 2019
5
* In this material, “Profit Attributable to Owners of Parent” is listed as “Net Income”
* Consecutive dividend increases include the substantial dividend increase due to the stock split in Fiscal Year Ended March 2000.
 We obtained targets for both net sales and each profit.
 Due to an increase in operating assets with higher quality, “Profitability”
steadily improved.
 Dividend per share is planned to be 80 yen as forecasted at the beginning
of the period.

6. Consolidated Results
• In addition to an increase in operating assets with higher quality, the number of user companies which are the
base for commission revenue was also up.
• The company actively conducted investment to reinforce the business foundation (human resources, IT
infrastructure).
6
(Billion Yen)
18/3
4Q
cumulative
total
19/3
19/3
Full-year
Forecast
Achievement
Rate
4Q
cumulative
total
Growth
Rate
Net Sales 304.3 313.9 3.2% 313.5 100.1%
Gross Profit 31.2 32.9 5.4% 32.7 100.7%
Selling, General and
Administrative Expenses 14.7 15.6 6.5% 15.7 99.8%
Operating Profit 16.5 17.2 4.4% 17.0 101.6%
Ordinary Profit 16.4 17.3 5.9% 16.7 104.1%
Net Income 11.3 11.9 5.6% 11.4 104.8%
YoY change
Dividend per Share (yen) 70.00 80.00 10.00 80.00 —
Earnings per Share (yen) 362.19 382.60 20.41 365.19 —
Dividend Payout Ratio 19.3% 20.9% 1.6% 21.9% —
ROA (Return on Asset Ratio) 1.20% 1.19% (0.01%) 1.15% —
ROE (Return on Equity Ratio) 7.1% 7.0% (0.1%) 6.7% —

7. Factors Affecting Operating Profit
7
Gross Profit
Selling, General and
Administrative Expenses
16.55
billion yen
18/3
4Q cumulative total
Gross
margin for
Financial
Services
Business
Strategic
Expenses
Financial
Expenses
17.27
billion yen
19/3
4Q cumulative total
+0.06
(0.50)
(Billion Yen)
(0.17)
+0.72
Others
Gross
Margin for
Leases and
Installment
Sales
Business
＋1.07
0.72
billion yen
(0.26)
Human
Resources
(0.08)
Allowance
for Doubtful
Accounts
(0.11)
Other
Expenses

8. 5.9
6.5 6.8
7.3
8.2
2.6 3.3 3.3 3.4 3.6
16.0%
19.6% 19.2%
20.6% 21.3%
0%
10%
20%
0
10
20
30
40
50
60
70
80
90
100
110
120
130
15/3期
4Q累計
16/3期
4Q累計
17/3期
4Q累計
18/3期
4Q累計
19/3期
4Q累計
売上高
セグメント利益
営業利益構成比
251.1
267.3
281.8
294.3 303.1
14.4 14.2 14.6 13.9 14.4
0
50
100
150
200
250
300
350
500
1,000
1,500
2,000
2,500
3,000
3,500
15/3期
4Q累計
16/3期
4Q累計
17/3期
4Q累計
18/3期
4Q累計
19/3期
4Q累計
売上高
セグメント利益
Performance by Segment
8
* % of operating profit =
financial services business segment profit /
operating income
 Leases and Installment Sales Business
 Financial Services Business
(Billion Yen)
(Billion Yen)
[Leases and Installment Sales
Business]
• Profit ratio was improved due to
the increase in acquired yields of
new contracts and re-leases
• The increased operating assets also
contributed to the improvement of
revenue and profits
[Financial Services Business]
• The commission business, such as
collection agency services,
factoring services for nursing-care
facilities and loans, demonstrated
steady growth
Net Sales
Segment
Profit
Net Sales
Segment Profit
% of Operating
Profit
15/3
4Q cumulative
total
16/3
4Q cumulative
total
17/3
4Q cumulative
total
18/3
4Q cumulative
total
19/3
4Q cumulative
total
15/3
4Q cumulative
total
16/3
4Q cumulative
total
17/3
4Q cumulative
total
18/3
4Q cumulative
total
19/3
4Q cumulative
total

9. Actual Results of Transaction Volume
and Investment Amount
• The Company started investment for power generation business, etc., in addition to leases and
installment sales and loans. Diversified financing methods.
• Loans showed significant year-on-year growth. Corporate lending and “Doctor Support Loan”
were on an upward trend.
9
(Billion Yen)
18/3
4Q
cumulative
total
19/3
19/3
Full-year
Forecast
Achievement
Rate
4Q
cumulative
total
Growth Rate
Finance Leases 265.8 266.8 0.4% 272.0 98.1%
Operating Leases 15.8 20.2 27.9% 18.0 112.6%
Total Leases 281.7 287.1 1.9% 290.0 99.0%
Installment Sales 75.3 86.1 14.3% 81.0 106.4%
Total Transaction Volume for Leases
and Installment Sales 357.1 373.2 4.5% 371.0 100.6%
Loans Transaction Volume 34.3 48.8 42.3% 38.0 128.6%
Total Transaction Volume 391.4 422.1 7.8% 409.0 103.2%
Investment Amount 2.0 7.2 244.4% — —
Total 393.5 429.3 9.1% — —
* Transaction Volume for Leases and Installment Sales indicates the total collection amount during the
contract period
* Investment Amount indicates the amount to purchase assets

10. Actual Results of Leases and Installment Sales
Transaction Volume by Product/Environmental Field
• For the leases and installment sales business, we observed sound growth in commercial and
service equipment, and in transport equipment.
• For the environmental field ,we started investment for the power generation business in addition
to lease and installment sales.
10
(Billion Yen) Leases and Installment Sales Transaction Volume by Product
 Environmental Field
The Transaction Volume for Leases and Installment Sales for the
Environmental Field is included in the transaction volume of the above.
18/3
4Q
cumulative
total
19/3
19/3
Full-year
Forecast
Achievement
Rate
Japan Leasing
Association
(cumulative total
from 18/4 to
19/3)
Growth Rate
4Q
cumulative
total
Growth Rate
Office and IT-Related Equipment 188.7 190.6 1.0% 194.5 98.0% 5.2%
Medical Equipment 35.8 35.0 (2.2%) 35.0 100.1% (6.4%)
Industrial Machinery 41.3 42.2 2.2% 45.5 92.9% 3.0%
Commercial and Service
Equipment
34.8 38.5 10.5% 35.5 108.5% 3.1%
Transport Equipment 16.3 21.3 30.3% 17.5 121.7% 5.6%
Others 39.9 45.5 13.8% 43.0 105.9% (0.1%)
Total 357.1 373.2 4.5% 371.0 100.6% 3.3%
18/3
4Q
cumulative
total
19/3
19/3
Full-year
Forecast
Achievement
Rate
4Q
cumulative
total
Growth Rate
Transaction Volume for Leases
and Installment Sales
31.5 34.5 9.6%
35.0 106.3%Investment Amount — 2.6 —
Total 31.5 37.1 18.0%
(Billion Yen)
* Transaction Volume for Leases and Installment Sales indicates the total collection amount during the contract period
* Investment amount indicates the amount to purchase assets

11. 32.6
47.1
60.6
72.0
78.13.2
4.9
5.9
6.7
7.9
-50
-30
-10
10
30
50
70
90
0
200
400
600
800
1000
1200
15/3期 16/3期 17/3期 18/3期 19/3期
取扱高 残高
13.92
16.07
17.55 18.19
20.07
15/3期 16/3期 17/3期 18/3期 19/3期
Actual Results of Collection Agency Services/
Factoring Services for Nursing-care Facilities
 Number of Transactions in Collection
Agency Services
 Transaction Volume of Factoring Services
for Nursing-Care Facilities (Billion Yen)
(million cases)
11
15/3 16/3 17/3 18/3 19/3
15/3 16/3 17/3 18/3 19/3
[Transaction Volume of Factoring
Services for Nursing-Care Facilities]
• As a result of acquiring new customers
and increasing the use of services by
existing customers, the transaction
volume increased by 8.4% from the
previous year.
[Number of Transactions in Collection
Agency Services]
• The number of new contracts increased
steadily, and the number of transactions
increased by 10.3% from the previous
year.
Balance
Transaction
volume

12. 532.7 551.7 562.7 576.1 589.8
15.8 18.7 20.8 23.0 29.072.5
83.7 95.8
111.3
133.1114.2
123.1
129.2
145.8
169.8
735.4
777.3
808.6
856.3
921.9
0.19% 0.18% 0.18% 0.17% 0.17%
-10.00%
-8.00%
-6.00%
-4.00%
-2.00%
0.00%
15/3期 16/3期 17/3期 18/3期 19/3期
金融ｻｰﾋﾞｽ／その他
割賦
オペリース
リース
事故率
Operating Assets and
Changes in Default Rate
12
15/3 16/3 17/3 18/3 19/3
• Operating assets increased by
65.5 billion yen from the end of
the previous fiscal year as a
result of steadily acquiring
contracts
• Default loss showed a slight
increase, and the default rate
remained at a low level
* Default rate = default loss amount/average balance of operating assets
* The balance of operating assets includes the amount of the securitizations of lease receivable
(Billion Yen)
Financial Services/
Others
Installment Sales
Operating Leases
Financial Leases
Default Rate

13. 21.6 21.5 20.8 20.9 21.5
1.6 1.8 2.4 2.4 2.8
2.4 2.6 2.5 2.6
2.8
5.5 5.7 6.4 6.3
6.7
31.3 31.8 32.3 32.3
33.9
4.53% 4.35% 4.21% 4.00% 3.93%
-7.50%
-5.50%
-3.50%
-1.50%
0.50%
2.50%
4.50%
6.50%
15/3期 16/3期 17/3期 18/3期 19/3期
リース 割賦 融資 その他(受取手数料等) 差引利益率
5.1 5.3 5.3 5.4 5.4
0.5 0.6 0.6 0.7 0.70.6 0.7 0.7 0.7 0.7
1.7 1.6 1.5 1.5 1.8
8.1 8.3 8.3 8.5 8.7
3.99% 3.97% 3.90% 3.94% 3.97%
-5.00%
-3.00%
-1.00%
1.00%
3.00%
5.00%
7.00%
9.00%
18/3期
4Q
19/3期
1Q
19/3期
2Q
19/3期
3Q
19/3期
4Q
* Gross profit (before deducting financial expenses) = net sales − cost of sales
(excluding financial expenses)
* % of gross profit (before deducting financial expenses) = gross profit (before
deducting financial expenses) /average balance of operating assets
Transition of Gross Profit
(before deducting Financial Expenses)
13
(Billion Yen)
• Due to the improved quality of
operating assets and the
increase in commission
revenue, gross profit rate
(before deducting financial
expenses) stopped declining.
15/3 16/3 17/3 18/3 19/3
18/3
4Q
19/3
1Q
19/3
2Q
19/3
3Q
19/3
4Q
* Gross profit errors between Leases and Others in some transactions are corrected.
Figures in charts show corrected amounts.
Leases
Installment
Sales
Loans
Others
(Commission Received, etc.)
% of Gross Profit
(before deducting Financial
Expenses)

14. 1.51 1.45
1.16 1.08
1.02
0.22% 0.20%
0.15% 0.13% 0.12%
-0.50%
-0.40%
-0.30%
-0.20%
-0.10%
0.00%
0.10%
0.20%
0.30%
15/3期 16/3期 17/3期 18/3期 19/3期
資金原価
資金原価率
490.2 537.8 574.5 615.6
678.9
143.4
133.2 112.1
111.0
96.2633.7
671.0 686.6
726.6 775.2
15/3期 16/3期 17/3期 18/3期 19/3期
短期
長期
Total Procurement Amount and
Financial Expenses
14* Financial expenses ratio = financial expenses / average operating assets
* The balance includes the amount of procurement through securitized portions of lease
receivables.
* Current portion of long-term liabilities within one year is included in long-term debt.
(Billion Yen)
(Billion Yen)
 Interest-Bearing Debt Outstanding
 Financial Expenses and Financial Expenses Ratio
[Financial Expenses and Financial
Expenses Ratio]
• Financial expenses and financial
expenses ratio decreased.
[Interest-Bearing Debt Outstanding]
• Interest-bearing debt increased in
line with the rise in operating assets.
15/3 16/3 17/3 18/3 19/3
15/3 16/3 17/3 18/3 19/3
Short-
term
Long-
term
Financial
Expenses
Financial
Expenses
Ratio

15. 6.4 6.7 6.7 6.8 7.3
5.9 5.9 5.9 6.2
6.6
0.9 0.7 1.1
1.5
1.6
13.3 13.4 13.8
14.7
15.6
39.6% 39.7% 39.4%
40.7%
41.3%
20.0%
25.0%
30.0%
35.0%
40.0%
45.0%
0
50
100
150
200
15/3期
4Q累計
16/3期
4Q累計
17/3期
4Q累計
18/3期
4Q累計
19/3期
4Q累計
貸倒費用
その他
人件費
OHR
• Selling, general and
administrative expenses were
up 6.5% year-on-year.
• The company promotes
investment to reinforce the
business foundation (human
resources, IT infrastructure).
• Bad debt expenses were up
5.3% year-on-year due to the
recording of a large amount of
the reserve for an individual
account.
Changes in Selling,
General and Administrative Expenses
* OHR = (Selling, General and Administrative Expenses − Bad Debt Expenses) / (Gross Profit + Financial Expenses) 15
(Billion Yen)
15/3
4Q cumulative
total
16/3
4Q cumulative
total
17/3
4Q cumulative
total
18/3
4Q cumulative
total
19/3
4Q cumulative
total
Bad Debt
Expenses
Others
Personnel
Expenses
OHR

16. 2. Consolidated Income Forecast for
Fiscal Year Ending March 2020
16

17. 17
Perception of the Environment
Customer
and market
Competitors
Ricoh
Leasing
Company
• Concerns about a slowdown in the world economy due to trade friction, a sense of
uncertainty about the course of the domestic economy including consumption tax.
• Stable investment for rationalization, labor saving and inbound-related demand.
• Concern about an increase in the number of corporate bankruptcies due to the labor
shortage and excessive investment.
• The prospect of an interest rate increase in the U.S. vanished, and so Japanese
financial policy is expected to be unchanged for a while.
• Development of new business utilizing innovative technologies (such as AI, IoT and
FinTech).
• Market size is shrinking due to the declining feed-in tariff of renewable energy.
• Reinforcement of regulations on the protection of personal information.
• Increase in investment in focused areas such as aircraft, real estate and overseas
markets.
• New methodology and activities in new areas through cross-industry business
partnership and alliance.
• Intensified competition with organizations in different industries such as local banks
(monetary relaxation/declining interest rates).
• Start of investment in housing rental business and solar power generation business.
Diversification of the methodologies to accumulate assets.
• Working hard to enter new businesses and develop new products to realize “Beyond
leasing”.
• Due to the diversification of the methodology to accumulate assets and
improvements in acquired yields of new contracts, the quality of operating assets
improved.
• Development of a foundation for continuous growth and productivity improvement.

18. 19/3
Full-year
Actual
20/3
Full-year
Forecast
Growth
Rate
Net Sales 313.9 321.4 2.4%
Gross Profit 32.9 34.5 4.7%
Selling, General and Administrative Expenses 15.6 16.8 7.2%
Operating Profit 17.2 17.7 2.5%
Ordinary Profit 17.3 17.4 0.1%
Net Income 11.9 12.0 0.5%
YoY change
Dividend per Share (yen) 80.00 90.00 10.00
Earnings per Share (yen) 382.60 384.41 1.81
Dividend Payout Ratio 20.9% 23.4% 2.5%
ROA (Return on Asset Ratio) 1.19% 1.12% (0.07%)
ROE (Return on Equity Ratio) 7.0% 6.7% (0.3%)
Operating Assets (substantial) 921.9 983.5 61.5
Consolidated Income Forecast
18
* Operating assets shown includes securitized portions of lease receivables
(Billion Yen)
• Net Sales growth for ten consecutive periods and Ordinary Profit increase for two consecutive
periods are expected.
• Based on the Strategy for Enhancement of Organizational Strength, the investment to reinforce
the business foundation (human resources, IT infrastructure) is continued.

19. Forecast on Factors Affecting Operating Profit
19
Strategic
Expenses
Human
Resources
+0.66
Allowance
for Doubtful
Accounts
19/3 Actual
Gross
Margin for
Financial
Service
Business
Financial
Expenses
20/3 Forecast
(0.15)
(0.50)
(Billion Yen)
＋0.25
Others
Gross
Margin for
Leases and
Installment
Sales
Business
＋0.79
Other
expenses
17.27
billion yen
17.70
billion yen
0.42
billion yen
(0.26)
(0.50)
Gross Profit
Selling, General and
Administrative Expenses
＋0.13

20. Forecast of Transaction Volume and
Investment Amount
20
(Billion Yen)
 Transaction Volume and Investment Amount
 Collection Agency Services, Factoring Services for
Healthcare / Nursing-Care Facilities, and Housing Rental Business
(Billion Yen)
19/3 20/3
Full-year
Actual
Growth Rate
Full-Year
Forecast
Growth Rate
Finance Leases 266.8 0.4% 270.0 1.2%
Operating Leases 20.2 27.9% 19.0 (6.3%)
Total Leases 287.1 1.9% 289.0 0.7%
Installment Sales 86.1 14.3% 88.0 2.1%
Total Transaction Volume for Leases and
Installment Sales 373.2 4.5% 377.0 1.0%
Loans Transaction Volume 48.8 42.3% 47.0 (3.8%)
Total Transaction Volume 422.1 7.8% 424.0 0.4%
Investment Amount 7.2 244.4% 10.7 49.0%
Total 429.3 9.1% 434.7 1.3%
19/3 20/3
Full-year
Actual
Growth Rate
Full-year
Forecast
Growth Rate
Number of Transactions in Collection
Agency Services (million cases) 20.07 cases 10.3% 22.60 cases 12.6%
Transaction volume of Factoring Services
for Healthcare / Nursing-Care Facilities 78.1 8.4% 95.0 21.5%
Number of units owned for housing
rental 272 units 216.3% 500 units 83.8%

21. Forecast of Leases and Installment Sales
Transaction Volume by Product/Environmental Field
21
(Billion Yen)
 Leases and Installment Sales Transaction Volume by Product
 Environmental Field
(Billion Yen)
19/3 20/3
Full-year
Actual
Growth Rate
Full-year
Forecast
Growth Rate
Office and IT-Related Equipment 190.6 1.0% 193.0 1.2%
Medical Equipment 35.0 (2.2%) 35.0 (0.1%)
Industrial Machinery 42.2 2.2% 42.5 0.6%
Commercial and Service Equipment 38.5 10.5% 38.0 (1.3%)
Transport Equipment 21.3 30.3% 23.5 10.3%
Others 45.5 13.8% 45.0 (1.2%)
Total 373.2 4.5% 377.0 1.0%
19/3 20/3
Full-year
Actual
Growth Rate
Full-year
Forecast
Growth Rate
Transaction Volume for Leases and
Installment Sales 34.5 9.6% 30.0 (13.1%)
Investment Amount 2.6 — 5.0 88.0%
Total 37.1 18.0% 35.0 (5.9%)
The Transaction Volume for Leases and Installment Sales
for the Environmental Field is included in the transaction
volume of the above.
* Transaction Volume for Leases and Installment Sales indicates the total collection amount during the
contract period
* Investment amount indicates the amount to purchase assets

22. 38 39 41 43 45
50
55
60
70
80
90
17.8% 17.3%
13.6% 13.1%
14.7%
15.4% 15.5% 15.9%
19.3%
20.9%
23.4%
10/3期 11/3期 12/3期 13/3期 14/3期 15/3期 16/3期 17/3期 18/3期 19/3期 20/3期
予想
1株当たり年間配当金 配当性向
Forecast of Dividends
• Annual dividend per share for the period ending in March 2020 is forecasted to be 90 yen, which
is a 10 yen increase from the previous period
Basic Policy for Shareholder Return
Our basic policy is to provide stable shareholder returns over the medium to long
term, and steadily increase shareholder dividends while working to achieve reliable
growth, sufficient capital funding and a strengthened financial position. Our medium-
term target for shareholder returns is a dividend payout ratio of 25%.
Yen
10/3 11/3 12/3 13/3 14/3 15/3 16/3 17/3 18/3 19/3 20/3
forecast
22
Annual dividend
per share
Dividend
Payout ratio

23. 3. Progress of the Mid-term Management Plan
23

24. Mid-Term Management Plan —
Vision “Beyond Leasing”
24
FY2014–FY2016 Mid-Term
Management Plan
FY2017–FY2019 Mid-Term
Management Plan
Next-period Mid-Term
Management Plan
Expansionofbusinessareas
• Enter new business areas and take risks in order to achieve business growth and income growth.
• Pursue research/development of businesses and products to respond to the expectations of customers
and to further get a head start on future expectations.
Expansion of core businesses
Advance into new businesses
around the core business
fields by responding to
customers’ expectations.
Grow to become a company that
can not only provide
services/products in leasing and
financial services markets but also
offer ones that contribute to the
development of the environment,
society and customers.
Business Areas
Leases and
Installment Sales
Financial Services

25. Financial
Targets
Operating Profit 18.3
billion yen
ROA
(Return on Assets
Ratio)
1.30%
(Mid-term target)
Operating
Assets(including
securitized portions)
900.0
billion yen
Mid-term Management Plan
25
Business
Growth
Strategy
1. Construction of a new platform to further enhance product competitiveness and operating
efficiency in response to diversifying needs and services
Strategy for
Enhancement
of
Organizational
Strength
Improvement of profitability Creation of new value to provide
Arrangement of infrastructure for
our growth
Improvement of productivity
1. Reinforcing alliances with vendors and establishing a firm sales & marketing platform by
maximizing the customer network
2. Creation of value provided other than leasing
3. Deployment of lease + service business through collaboration with RICOH Group companies
4. Taking on challenges in new environmental fields centered on energy-creation and energy-
saving
5. Development and provision of financial services to accommodate changes and resolve
issues in society
2. Human resource management in response to changes in society, markets and working
styles
Numerical
Target
Operating
Targets
Transaction Volume of
Leases and
Installment Sales
367.5
billion yen
Environmental Field 50.0
billion yen
Transaction volume of
Factoring Services for
Healthcare / Nursing-
Care Facilities
100.0
billion yen
Number of
Transactions in
Collection Agency
Services
25.00
million cases

26. Topics Related to the Mid-term Management
Plan
26
4. Taking on challenges in new
environmental fields centered on
energy-creation and energy-saving
Business Growth Strategy
5. Development and provision of financial
services to accommodate changes and
resolve issues in society
 Environmental
field initiatives
 Housing Rental
Business initiatives
19/3
 Expansion of solar power generation projects
• Acquisition of roof installment and secondary
projects
 Diversification of power supply ⇒ Small-sized
hydroelectric/wind power generation
 Solar power generation business Increase in
actual results
• 19/3 Investment: 2.6 billion yen
 Full-scale start of Housing Rental Business
• Steady increase in the number of owned
houses for rent
• Maintain high occupancy ratio
 Business partnership with JS Corporation
• Renovation of apartments
• Joint acquisition and operation of owned
houses for rent
Number of owned houses for rent
Actual/ Forecast
500 units272 units
Mid-term target:
50.0 billion yen
20/3
 While securing a certain level of profit, we
shall accumulate operating assets
 Diversification of activities
• Conventional activities + Self-generation
project, energy-saving, etc.
Environmental Field Transaction Volume and
Investment Amount Actual/Forecast
19/3
(Actual)
20/3
(Forecast)
35.0 billion yen
Including business
investment: 5.0 billion yen
37.1 billion yen
Including business
investment: 2.6 billion yen
19/3
20/3
19/3
(Actual)
20/3
(Forecast)
 Steady profit growth with the increase in
the number of owned houses for rent
 Development of services to solve social
issues by utilizing alliance

27. Customer
Fast-cashing
service
Transfer origin
account
Customer’s account
Employee
Link the attendance
information or
possible payment
amount
Transfer
information
Advance
payment request
Advance payment
(transfer)
Contract
Topics Related to the Mid-term Management
Plan
27
NEW
 RiLTA, fast-cashing service that can be utilized for the
advance payment of salary, etc.
2. Creation of value provided other than leasing
5. Development and provision of financial services to accommodate changes and resolve
issues in society
Business growth strategy
Market
environ
ment
Purpose
/Aim
Develop
ment
from
now on
 Start of sales activity mainly for customers of
400,000 companies
 Diversify and provide a wide range of services to
meet companies’ settlement needs and possible
relaxation of regulations
 Changes in the labor environment
• Labor shortage due to decreasing birthrate and
aging population
• Expansion in the number of foreign workers
accepted
 Diversification of settlement method
• Development of innovative technologies such as
AI, IoT and FinTech
• Development of cashless services
• Diversification in needs regarding the method of
receiving employees’ salaries, etc.
 Provision of new value to provide to small- and
mid-sized companies
• Increase in the number of job applicants
• Improvement of turnover ratio
 Expansion of commission revenue
By making advanced payment of
salary to meet employees’ request,
provide fast-cashing service
Provide stable service with a scheme
that observes laws and regulations

28. Topics Related to the Mid-term Management
Plan
28
1. Construction of a new platform to further enhance product competitiveness and
operating efficiency in response to diversifying needs and services
2. Human resource management in response to changes in society, markets and working
styles
Strategy for Enhancement of Organizational Strength
Business
Development
 Development of system that can flexibly cope with new businesses and services
 Creating common platform for multiple businesses and services
Improvement of
Business
Efficiency
Work Style
Renovation
Reinforcement of
Business
Management
Infrastructure
 Improvement of business efficiency through the utilization of IT technologies
(such as AI and RPA)
 Restructuring of business process that can flexibly cope with new businesses and
services
 Work style that has no restriction of place (conversion to paperless, remote work)
 Establishment of the best office depending on the description of work, conversion
to non-territorial office
 Reinforcement of business management based on the arrangement of
management source data (business, customer, account, human resources, etc.)
 Reinforcement of risk management
 Enhancement of system to improve employees’ motivation to grow and abilities
 Promotion of diversity
Develop
ment of
New
Mission-
critical
System
 Reinforcement of the foundation for growth and productivity improvement
considering a time beyond the next Mid-term Plan
Reinforcement of Human
Resources

29. Progress of the Mid-term Management Plan
29
For the last year of the Mid-term Management Plan
• “Profitability” steadily improved.
• For a further increase in “Profitability”, we shall actively conduct investment to reinforce the
business foundation (human resources, IT infrastructure).
17/3
Actual
18/3
Actual
19/3
Actual
20/3
Forecast
Forecast
CAGR
17/3-20/3
Deviation
from the
Mid-term
target
Mid-term
target
Mid-term
target
CAGR
17/3-20/3
Gross Profit 31.1 31.2 32.9 34.5 3.5% 1.0 33.5 2.4%
Selling, General and
Administrative Expenses 13.8 14.7 15.6 16.8 6.7% 1.6 15.2 3.2%
Operating Profit 17.3 16.5 17.2 17.7 0.7% (0.6) 18.3 1.8%
ROA
(Return on Assets Ratio) 1.31% 1.20% 1.19% 1.12% － － 1.30%
(Mid-term target)
－
Operating Assets (including
securitized portions) 808.6 856.3 921.9 983.5 6.7% 83.5 900.0 3.6%
Transaction Volume of Leases
and Installment Sales 336.2 357.1 373.2 377.0 3.9% 9.5 367.5 3.0%
Environmental Field 24.1 31.5 37.1 35.0 13.2% (15.0) 50.0 27.5%
Transaction volume of
Factoring Services for
Healthcare / Nursing-Care
Facilities
60.6 72.0 78.1 95.0 16.1% (5.0) 100.0 18.1%
Number of Transactions in
Collection Agency Services
(million cases)
17.55 18.19 20.07 22.60 8.8% (2.40) 25.00 12.5%
(Billion Yen)
* Environmental Field: Transaction Volume of Leases and Installment Sales + Investment Amount

30. 4. Reference Material
30

31. Overview of Consolidated Statements of
Income
31
(Million Yen)
18/3 19/3 20/3
4Q
cumulative
total
Growth
Rate
4Q
cumulative
total
Growth
Rate
Full-Year
Forecast
Growth
Rate
Net Sales 304,341 4.5% 313,957 3.2% 321,400 2.4%
Leases 223,423 2.5% 230,186 3.0% 235,300 2.2%
Installment Sales 46,857 13.0% 50,451 7.7% 52,500 4.1%
Loans 2,604 0.9% 2,888 10.9% 3,300 14.2%
Commission Received 5,311 10.1% 5,726 7.8% 6,100 6.5%
Others 26,145 7.6% 24,703 (5.5%) 24,200 (2.0%)
Cost of Sales 273,081 5.0% 281,013 2.9% 286,900 2.1%
Leases 202,953 2.9% 208,639 2.8% — —
Installment Sales 44,379 13.6% 47,632 7.3% — —
Financial Expenses 1,087 (6.9%) 1,022 (5.9%) — —
Others 24,660 9.3% 23,717 (3.8%) — —
Gross Profit 31,260 0.3% 32,943 5.4% 34,500 4.7%
Selling, General and Administrative
Expenses
14,708 6.4% 15,667 6.5% 16,800 7.2%
Personnel Expenses 6,891 2.0% 7,399 7.4% 7,900 6.8%
Provision of Allowance for
Doubtful Accounts
1,550 40.2% 1,632 5.3% 1,500 (8.1%)
Operating Profit 16,552 (4.5%) 17,276 4.4% 17,700 2.5%
Ordinary Profit 16,415 (4.4%) 17,383 5.9% 17,400 0.1%
Net Income 11,306 (4.0%) 11,943 5.6% 12,000 0.5%

32. Breakdown of Operating Assets
32
(Million Yen)
18/3 19/3 20/3
Actual
Year-on-
Year
Increase/
Decrease
Actual
Year-on-
Year
Increase/
Decrease
Forecast
Year-on-
Year
Increase/
Decrease
Finance Leases 551,398 13,369 565,113 13,715 574,500 9,386
Operating Leases 23,059 2,164 29,058 5,999 30,500 1,441
Total Leases 574,457 15,534 594,172 19,715 605,000 10,827
Installment Sales 111,313 15,499 133,163 21,849 164,000 30,836
Total Leases and Installment
Sales Business 685,771 31,033 727,335 41,564 769,000 41,664
Financial Services Business 139,562 17,895 160,904 21,342 178,000 17,095
Subtotal 825,333 48,928 888,240 62,907 947,000 58,759
Others 6,312 (1,238) 8,969 2,657 11,500 2,530
Total Operating Assets 831,645 47,690 897,210 65,564 958,500 61,289
Deduction Amount of Securitized
Lease Receivables 24,748 17 24,700 (48) 25,000 299
Total Operating Assets
(substantial) 856,393 47,707 921,910 65,516 983,500 61,589

33. Net sales and profit by segment
 Net Sales
 Segment Profit
33
(Million Yen)
(Million Yen)
* “Others” are the business segments which are not included in reporting segments, and include
outsourcing technology services such as measurement, calibration and device inspection, loan and
factoring within the Ricoh Group, operation of a domestic cash management system and operation of
solar power generation facilities.
18/3 19/3
4Q
cumulative
total
Growth Rate
4Q
cumulative
total
Growth Rate
Leases and Installment Sales Business 294,360 4.4% 303,148 3.0%
Financial Services Business 7,345 6.7% 8,282 12.8%
Others 2,636 12.6% 2,525 (4.2%)
Total 304,341 4.5% 313,957 3.2%
18/3 19/3
4Q
cumulative
total
Growth Rate
4Q
cumulative
total
Growth Rate
Leases and Installment Sales Business 13,929 (4.9%) 14,447 3.7%
Financial Services Business 3,414 2.9% 3,672 7.5%
Others 234 0.8% 171 (26.9%)
Total 17,578 (3.4%) 18,291 4.1%

34. <Contact>
Corporate Planning Department
Tel : 03-6204-0608
Email : ir@rle.ricoh.co.jp
URL : http://www.r-lease.co.jp
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.
Ricoh Leasing Company, Ltd.