Ricoh Leasing Company, Ltd. October 25, 2019

1. Second Quarter
of Fiscal Year
Ending March
2020 (FY2019)
Financial
Highlights
October 25, 2019
Ricoh Leasing Company, Ltd.

2. Intentionally blank

3. Table of Contents
3
1. Consolidated Results for the Second Quarter
of Fiscal Year Ending March 2020
2. Consolidated Income Forecast for Fiscal Year
Ending March 2020
3. Reference Material

4. 4
1. Consolidated Results for the Second
Quarter of Fiscal Year Ending March
2020

5. Net Sales : 165.7 billion yen (+6.7%)
Expanded income for ten consecutive periods
Gross Profit : 17.6 billion yen (+9.5%)
Expanded income for two consecutive periods
Operating Profit : 9.0 billion yen (+4.9%)
Expanded income for two consecutive periods
Ordinary Profit : 9.0 billion yen (+4.1%)
Expanded income for two consecutive periods
Net Income : 6.2 billion yen (+4.2%)
Expanded income for two consecutive periods
Balance of Operating Assets (substantial) : 976.0 billion yen (+54.1 billion yen)
Interim Dividend Per Share : 45 yen (+5 yen)
Annual Dividend Per Share : 90 yen (+10 yen)
Dividend increase for 25 consecutive periods is planned
5
 We kept accumulating operating assets with higher quality. Net sales and
each profit posted new record highs.
 While we improved “profitability”, we continued with investment to
reinforce the business foundation.
 The interim dividend per share is 45 yen as forecasted at the beginning of
the period.
* In this document, “Profit Attributable to Owners of Parent” is listed as “Net Income”
Financial Performance Overview for the Second
Quarter of Fiscal Year Ending March 2020

6. • Net sales and each profit progressed steadily towards the full-year forecasts.
• Selling, general and administrative expenses increased due to the investment to reinforce the
business foundation (human resources, IT infrastructure) and bad debt expenses.
6
(Billion Yen)
* Actual ROA and ROE are annualized numerical figures
19/3 20/3
2Q
cumulative total
2Q
cumulative total
Growth
Rate
期初通期予想
Net Sales 155.4 165.7 6.7% 321.4 51.6%
Gross Profit 16.1 17.6 9.5% 34.5 51.2%
Selling, General and
Administrative Expenses
7.5 8.6 14.7% 16.8 51.2%
Operating Profit 8.6 9.0 4.9% 17.7 51.2%
Ordinary Profit 8.7 9.0 4.1% 17.4 52.1%
Net Income 5.9 6.2 4.2% 12.0 52.0%
YoY change
Dividend per Share(yen) 40.00 45.00 5.00 90.00 －
Earnings per Share(yen) 191.84 201.56 9.72 384.41 －
Dividend Payout Ratio 20.9% 22.3% 1.4% 23.4% －
ROA (Return on Asset Ratio) 1.21% 1.16% (0.05%) 1.12% －
ROE (Return on Equity Ratio) 7.1% 7.1% (0.0%) 6.7% －
20/3
Progress
Rate
Consolidated Results
Initial Full-Year
Forecast

7. 7
8.64
billion yen
9.06
billion yen
(0.29)
+0.51
+0.30
＋0.74
0.42
billion yen
(0.28)
Human Resources
(0.53)
Other Expenses
Gross Profit
Selling, General and
Administrative Expenses
(Billion Yen)
19/3
2Q cumulative total
20/3
2Q cumulative total
Gross
Margin for
Leases and
Installment
Sales
Business
(0.03)
Gross
Margin for
Financial
Services
Business
Others
Financial
Expenses
Allowance
for Doubtful
Accounts
Factors Affecting Operating Profit

8. 8
[Leases and Installment Sales
Business]
• Operating assets increased, and
acquired yields of new contracts
was improved.
• The increase in bad debt
expenses was absorbed, and
revenue and profits improved.
[Financial Services Business]
• The commission business, such as
collection agency services,
factoring services for healthcare
and nursing-care facilities, and
loans were steady
132.0
140.2 146.0 149.9
159.8
7.1 7.4 7.0 7.0 7.3
0.0
2.0
4.0
6.0
8.0
10.0
12.0
14.0
0.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
160.0
180.0
16/3
2Q
cumulative total
17/3
2Q
cumulative total
18/3
2Q
cumulative total
19/3
2Q
cumulative total
20/3
2Q
cumulative total
Net Sales
Segment
Profit
 Leases and Installment Sales Business (Billion Yen)
(Billion Yen) Financial Services Business
* % of operating profit =
financial services business segment profit /
operating income
Performance by Segment
3.2
3.5 3.6
4.1
4.5
1.6 1.6 1.7 1.9 2.1
19.2% 18.9%
21.2% 22.7% 23.5%
-10%
0%
10%
20%
0.0
16/3
2Q
cumulative total
17/3
2Q
cumulative total
18/3
2Q
cumulative total
19/3
2Q
cumulative total
20/3
2Q
cumulative total
Net Sales
Segment
Profit
% of
Operating
Profit

9. • Leases and installment sales were supported by the last-minute demand before the increase in
consumption tax and OS migration-related demand.
• Investment amount progressed as expected.
9
19/3 20/3
2Q
cumulative total
2Q
cumulative total
Growth
Rate
期初通期予想
Finance Leases 132.2 156.7 18.6% 270.0 58.1%
Operating Leases 11.0 8.8 (19.8%) 19.0 46.7%
Installment Sales 36.9 54.2 47.0% 88.0 61.7%
180.2 219.9 22.0% 377.0 58.3%
Loans Transaction Volume 21.8 24.9 14.3% 47.0 53.1%
Total Transaction Volume 202.0 244.9 21.2% 424.0 57.8%
Investment Amount 2.4 4.1 66.1% 10.7 38.5%
204.5 249.0 21.8% 434.7 57.3%Total
20/3
Progress
Rate
Total Transaction Volume for
Leases and Installment Sales
(Billion Yen) Transaction Volume and Investment Amount
* Transaction Volume for Leases and Installment Sales indicates the total collection amount during the contract period
* Investment Amount indicates the amount to purchase assets
Actual Results of Transaction Volume
and Investment Amount
Initial Full-Year
Forecast

10. Operating Assets
• Operating assets increased by 54.1 billion yen from the end of the previous term as a result of
steadily acquiring contracts.
10
 Operating Assets
19/3
Actual
End of 2Q
Actual
Growth
Rate
期初予想
Growth
Rate
ファイナンス・リース 565.1 591.4 4.7% 574.5 1.7%
オペレーティング・リース 29.0 30.0 3.4% 30.5 5.0%
割賦 133.1 145.7 9.4% 164.0 23.2%
リース・割賦 合計 727.3 767.2 5.5% 769.0 5.7%
融資 154.3 168.2 9.0% 166.0 7.6%
事業投資 9.2 13.1 42.7% 17.0 83.8%
その他 6.3 2.7 (56.8%) 6.5 3.0%
営業資産合計 897.2 951.3 6.0% 958.5 6.8%
流動化控除額 24.7 24.6 (0.1%) 25.0 1.2%
営業資産合計（実質） 921.9 976.0 5.9% 983.5 6.7%
20/3 20/3
(Billion Yen)
Initial Forecast
Finance Leases
Operating Leases
Installment Sales
Total Leases and Installment
Sales
Loans
Investment
Others
Total Operating Asset
Deduction Amount of Securitized
Lease Receivables
Total Operating Assets
(substantial)

11. Transaction Volume for Leases and
Installment Sales
• Office and IT-related equipment and environmental equipment became the driver of the total
performance.
• In addition, a significant increase was achieved with the last-minute demand before the increase
in consumption tax and OS migration-related demand.
11
[Actual Performance Summary]
[Strategy/Measures]
• In cooperation with vendors, improve efficiency and promote differentiation.
• Develop new areas by understanding social changes and customer needs.
19/3 20/3
2Q
cumulative total
2Q
cumulative total
Growth
Rate
期初通期予想
Office and IT-Related
Equipment
95.5 108.2 13.3% 193.0 56.1% 15.2%
Medical Equipment 16.5 19.7 19.0% 35.0 56.4% 9.3%
Industrial Machinery 17.7 25.1 41.9% 42.5 59.2% 18.0%
Commercial and Service
Equipment
19.3 18.4 (4.5%) 38.0 48.6% 2.5%
Transport Equipment 10.5 12.0 14.3% 23.5 51.1% 9.6%
Others 20.5 36.3 76.8% 45.0 80.8% (13.4%)
Total 180.2 219.9 22.0% 377.0 58.3% 8.4%
Japan Leasing
Association (cumulative
total from 19/4 to 19/8)
Growth Rate
20/3
Progress
Rate
(Billion Yen) Leases and Installment Sales Transaction Volume by Product
Initial Full-
Year Forecast

12. Environmental Field
12
• Total transaction volume and investment
amount were up 105.8% year-on-year.
• Achieved 83% progress versus the full-year
forecast.
• Revised full-year forecast upwards.
[Actual Performance Summary]
[Strategy/Measures]
 Environmental Field: Transaction
Volume and Investment Amount
Billion yen
• While securing a certain level of profit and risk
management, expand operating assets.
• Diversify asset holding styles (leases and
installment sales and power generation
businesses)
• Acquisition of secondary and on-roof-type
solar power generation projects
Initial
Forecast
Revised
Forecast
45.0
billion yen
Of which, investment:
5.0 billion yen
35.0
billion yen
Of which, investment:
5.0 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

13. Commission Business
13
• The numbers of users of collection agency
services and factoring services for healthcare
and nursing-care facilities are steadily
increasing.
• The performance of both Casa Direct and
Yanushi (House Owner) Direct (collection
agency service with rent guarantee) is sound.
• Acquired large amount of healthcare (medical
service fee) factoring contracts and this
contributed to the results of factoring services
for healthcare and nursing-care facilities.
[Actual Performance Summary]
[Strategy/Measures]
• New product: The release of RiLTA, fast-
cashing service
• Strategic partnership that satisfies a variety of
risk hedging and BPO needs related to BtoB
billing and collection.
— Net Protections, Inc.
Main service: Payment After Delivery service in the EC market
— eGuarantee, Inc.
Main service: Accounts receivable guarantee service
(million cases)
 Number of Transactions in Collection Agency
Services
(Billion Yen)
 Transaction Volume of Factoring Services for
Healthcare & Nursing-Care Facilities
7.85 8.57 8.86 9.85 10.84
8.22
8.97 9.33
10.22
16.07
17.55 18.19
20.07
16/3 17/3 18/3 19/3 20/3
1-2Q 3-4Q
21.7 29.1 35.3 38.0
49.4
25.4
31.4
36.7 40.147.1
60.6
72.0
78.1
4.9
5.9 6.7
7.9
11.0
-15
-13
-11
-9
-7
-5
-3
-1
1
3
5
7
9
11
13
0.0
20.0
40.0
60.0
80.0
100.0
120.0
16/3 17/3 18/3 19/3 20/3
1-2Q 3-4Q Balance

14. Loans
14
• Corporate lending was the driver of the overall
performance.
• Loans for the medical field and loans for
individual investment comdominium progressed
steadily.
[Actual Performance Summary]
[Strategy/Measures]
• Accumulate prime assets focusing on the real
estate field.
• For the medical field, reinforce not only clinics
but also hospitals.
13.9
17.2
10.9
21.8
24.9
12.4
15.4
23.4
27.0
26.4
32.7
34.3
48.8
110.6
121.6
137.4
154.3
168.2
0.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
160.0
0.0
10.0
20.0
30.0
40.0
50.0
60.0
70.0
16/3 17/3 18/3 19/3 20/3
1-2Q 3-4Q balance
(Billion Yen) Loans Transaction Volume

15. Housing Rental Business
15
• The number of owned houses for rent was
steadily increased, and a high occupancy ratio
was maintained.
[Actual Performance Summary]
[Strategy/Measures]
• Steady profit growth with the increase in the
number of owned houses for rent
Targeted number of owned houses for rent at
the end of 20/3: 500 units
• Development of services to solve social issues
by utilizing alliance
Revitalization and vitalization measures for
apartment complexes
Business partnership with JS Corporation
 Start of the handling of “Apartment complex
revitalization loan”
 Renovation of apartment complex
 Development of new services which utilize IoT
technology
 Development of subscription-type rental service
Joint development with Peace Tec Lab, Inc.
(units)
 Number of Units Owned for Housing Rental
86
272
392
18/3 19/3 20/3
2Q

16. • Default rate decreased due to
the increased operating assets.
• Default loss showed a slight
increase.
16
Operating Assets and Default Rate
* Default rate = default loss amount / average balance of operating assets (default rate has been calculated by
annualizing the default loss amount for the second quarter of 20/3)
* The balance of operating assets includes the amount of the securitizations of lease receivables
551.7 562.7 576.1 589.8 616.1
18.7 20.8 23.0 29.0
30.083.7 95.8
111.3
133.1
145.7123.1
129.2
145.8
169.8
184.1
777.3
808.6
856.3
921.9
976.0
0.18% 0.18% 0.17% 0.17% 0.16%
-10.00%
-8.00%
-6.00%
-4.00%
-2.00%
0.00%
16/3 17/3 18/3 19/3 20/3
2Q
Financial Services/
Others
Installment Sales
Operating Leases
Financial Leases
Default Rate
(Billion Yen)

17. 17
[Financial Expenses and Financial
Expenses Ratio]
• Financing remained at a low level.
• Financial expenses showed a slight
increase, and financial expenses ratio
remained the same.
[Balance of Interest-Bearing Debt]
• Financing in line with the rise in
operating assets and its duration.
(Billion Yen)
 Interest-Bearing Debt Outstanding
0.73 0.60 0.55 0.51 0.54
0.72
0.56 0.52 0.51
1.45
1.16
1.08 1.02
0.20%
0.15% 0.13% 0.12% 0.12%
-0.50%
-0.30%
-0.10%
0.10%
0.30%
16/3 17/3 18/3 19/3 20/3
3-4Q
1-2Q
Financial
Expenses
Ratio
(Billion Yen)
 Financial Expenses and Financial
Expenses Ratio
537.8 574.5 615.6 678.9
757.0
133.2 112.1
111.0
96.2
76.9671.0 686.6
726.6
775.2
834.0
16/3 17/3 18/3 19/3 20/3
2Q
Short-term
Long-term
* 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
* Financial expenses ratio = financial expenses / average
operating assets
* For the second quarter of 20/3, financial expenses ratio has
been calculated by annualizing financial expenses
Total Procurement Amount and
Financial Expenses

18. • Bad debt expenses increased in
line with the rise in operating
assets.
• Expenses increased due to the
investment to reinforce the
business foundation (human
resources, IT infrastructure).
• OHR declined due to the increase
in gross profit.
18
(Billion Yen)
3.5 3.5 3.5 3.7 4.0
2.8 2.8 2.9
3.0
3.3
0.3 0.5 0.6
0.6
1.2
6.7 6.8 7.0
7.5
8.6
40.3%
39.0%
40.2% 41.0% 40.6%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
40.0%
45.0%
50.0%
0
2
4
6
8
10
12
16/3
2Q
cumulative
total
17/3
2Q
cumulative
total
18/3
2Q
cumulative
total
19/3
2Q
cumulative
total
20/3
2Q
cumulative
total
Bad Debt
Expenses
Others
Personnel
Expenses
OHR
* OHR = (Selling, General and Administrative Expenses − Bad Debt Expenses) / (Gross Profit + Financial Expenses)
* Transferred staffing expenses from “Other Expenses” to “Personnel Expenses” from the second quarter of 20/3. Figures in
charts show transferred amounts
Selling, General and Administrative
Expenses

19. 19
2. Consolidated Income Forecast for
Fiscal Year Ending March 2020

20. • Due to an large increase in operating assets, net sales and gross profit were revised upwards.
• We are accelerating the investment to reinforce the business foundation (human resources, IT
infrastructure).
• The annual dividend per share is planned to be 90 yen as forecasted at the beginning of the
period.
20
Consolidated Income Forecast
(Billion Yen)
* The balance of operating assets includes the amount of the securitizations of lease receivables
19/3 20/3
Full-year
Actual
修正予想
Growth
Rate
期初予想
Growth
Rate
Mid-term
target
Net Sales 313.9 329.1 4.8% 321.4 2.4% 320.0
Gross Profit 32.9 35.6 8.1% 34.5 4.7% 33.5
Selling, General and
Administrative Expenses
15.6 17.8 13.6% 16.8 7.2% 15.2
Operating Profit 17.2 17.8 3.0% 17.7 2.5% 18.3
Ordinary Profit 17.3 17.6 1.2% 17.4 0.1% －
Net Income 11.9 12.1 1.3% 12.0 0.5% 12.3
YoY change YoY change
Dividend per Share (yen) 80.00 90.00 10.00 90.00 10.00 －
Earnings per Share (yen) 382.60 392.53 9.93 384.41 1.81 －
Dividend Payout Ratio 20.9% 22.9% 2.0% 23.4% 2.5% －
ROA (Return on Asset Ratio) 1.19% 1.09% (0.10%) 1.12% (0.07%)
1.30％
mid-term target
(in three to five years)
ROE (Return on Equity Ratio) 7.0% 6.8% (0.2%) 6.7% (0.3%) －
Operating Assets (substantial) 921.9 1,030.5 108.5 983.5 61.5 900.0
20/3 20/3
Revised
Forecast
Initial Forecast

21. 21
20/3
Revised Forecast
+0.77
19/3 Actual
(0.11)
(0.60)
＋0.20
＋1.79
17.27
billion yen
17.80
billion yen
0.52billion yen
(0.56)
(0.60)
(0.37)
Gross Profit
Selling, General and
Administrative Expenses
(Billion Yen)
Gross
Margin for
Leases and
Installment
Sales
Business
Gross
Margin for
Financial
Services
Business
Others Financial
Expenses
Allowance
for Doubtful
Accounts
Human Resources
Other Expenses
Strategic Expenses
Forecast on
Factors Affecting Operating Profit

22. 22
Transaction Volume for Leases and Installment Sales：367.5billion yenMid-term target
（20/3）
(Billion Yen) Transaction Volume and Investment Amount
Full-year
Actual
Growth
Rate
修正予想 修正差
Growth
Rate
期初予想
Growth
Rate
20.07 cases 10.3% 22.60 cases 0.00 cases 12.6% 22.60 cases 12.6%
78.1 8.4% 95.0 0 21.5% 95.0 21.5%
272 unit 216.3% 500 unit 0 unit 83.8% 500 unit 83.8%
Number of Transactions in Collection
Agency Services (million cases)
Transaction volume of Factoring Services
for Healthcare & Nursing-Care Facilities
Number of units owned for housing rental
19/3 20/3 20/3
(Billion Yen)
 Collection Agency Services, Factoring Services for Healthcare &
Nursing-Care Facilities, and Housing Rental Business
Number of Transactions in Collection Agency Services：25.00million cases
Transaction volume of Factoring Services for Healthcare & Nursing-Care Facilities：100billion yen
Mid-term target
（20/3）
Forecast of Transaction Volume and
Investment Amount
Full-year
Actual
Growth
Rate
修正予想 修正差
Growth
Rate
期初予想
Growth
Rate
Finance Leases 266.8 0.4% 297.0 27.0 11.3% 270.0 1.2%
Operating Leases 20.2 27.9% 19.0 0.0 (6.3%) 19.0 (6.3%)
Total Leases 287.1 1.9% 316.0 27.0 10.1% 289.0 0.7%
Installment Sales 86.1 14.3% 107.0 19.0 24.2% 88.0 2.1%
373.2 4.5% 423.0 46.0 13.3% 377.0 1.0%
Loans Transaction Volume 48.8 42.3% 53.0 6.0 8.4% 47.0 (3.8%)
Total Transaction Volume 422.1 7.8% 476.0 52.0 12.8% 424.0 0.4%
Investment Amount 7.2 244.4% 10.7 0.0 49.0% 10.7 49.0%
Total 429.3 9.1% 486.7 52.0 13.4% 434.7 1.3%
Total Transaction Volume for
Leases and Installment Sales
19/3 20/3 20/3
Revised
Forecast
Amount of
Revision
Initial
Forecast
Revised
Forecast
Amount of
Revision
Initial
Forecast

23. 23
Environmental Field Transaction Volume : 50.0 billion yen
(Billion Yen) Leases and Installment Sales Transaction Volume by Product
34.5 9.6% 40.0 10.0 15.8% 30.0 (13.1%)
Investment Amount 2.6 － 5.0 0.0 88.0% 5.0 88.0%
Total 37.1 18.0% 45.0 10.0 21.0% 35.0 (5.9%)
Transaction Volume for
Leases and Installment Sales
(Billion Yen)
The Transaction Volume for Leases and Installment Sales for the
Environmental Field is included in the transaction volume of the above. Environmental Field
* Transaction Volume for Leases and Installment Sales indicates the total collection amount during the contract period
* Investment Amount indicates the amount to purchase assets
Mid-term target
（20/3）
Forecast of Leases and Installment Sales Transaction
Volume by Product / Environmental Field
Full-year
Actual
Growth
Rate
Revised
Forecast
Amount of
Revision
Growth
Rate
Initial
Forecast
Growth
Rate
Office and IT-Related Equipment 190.6 1.0% 208.0 15.0 9.1% 193.0 1.2%
Medical Equipment 35.0 (2.2%) 37.0 2.0 5.6% 35.0 (0.1%)
Industrial Machinery 42.2 2.2% 52.5 10.0 24.2% 42.5 0.6%
Commercial and Service Equipment 38.5 10.5% 38.0 0.0 (1.3%) 38.0 (1.3%)
Transport Equipment 21.3 30.3% 24.0 0.5 12.7% 23.5 10.3%
Others 45.5 13.8% 63.5 18.5 39.4% 45.0 (1.2%)
Total 373.2 4.5% 423.0 46.0 13.3% 377.0 1.0%
19/3 20/3 20/3

24. Mid-term Management Plan
24
Expansion of core
businesses
Advance into new businesses
around the core business fields
by responding to customers'
expectations.
Expansionof
businessareas
FY2017–FY2019 Mid-Term
Management Plan
Next-period Mid-Term
Management Plan
FY2014–FY2016 Mid-Term
Management Plan
Growth period
heading toward
"beyond leasing"
Vision
Beyond leasing
Business Areas
Leases and Installment Sales
Financial Services
Mid-term
Management Plan
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.
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
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. Development 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
Business
Growth
Strategy
Strategy for
Enhancement of
Organizational
Strength

25. Management Strategy Measures for the growth period toward "beyond leasing"
BusinessGrowthStrategy
Reinforcing alliances with vendors
and establishing a firm sales &
marketing platform by maximizing
the customer network
• Active development of new areas
• Further improvement of added value by improving efficiency
and differentiation through cooperation with vendors
Creation of value provided other
than leasing
• Business partnership with eGuarantee, Inc.
(Guarantee of accounts receivable)
• Investment in Peace Tec Lab, Inc. (C/BtoC rental platform)
Development of lease + service
business through collaboration
with RICOH Group companies
• Mutual utilization of vendor maintenance and production
functions
• Cooperation in renewable energy business
(regional revitalization, O&M)
Taking on challenges in new
environmental fields centered on
energy-creation and energy-saving
• Increase in transaction volume and operating assets
(diversification of power supply)
• Start of power generation business
• Approach to self-power generation facilities
(to end the reliance on FIT)
Development and provision of
financial services to accommodate
changes and resolve issues in
society
• Start of Housing Rental Business
• Business partnership with JS Corporation
(revitalization of apartment complex)
• Start of RiLTA, fast-cashing service
• Capital alliance with Net Protections Holdings, Inc
Strategyfor
Enhancementof
OrganizationalStrength
Construction of a new platform to
further enhance product
competitiveness and operating
efficiency in response to
diversifying needs and services
• Utilization of AI for credit examination operation
• Preparation for development of new mission-critical system
Human resource management in
response to changes in society,
markets and working styles
• Work-style reform: Arrangement of IT and office
environment, enhancement of human resource system
• Reinforcement of human resources: Enhancement of
human resources, investment to improve employees’
motivation to grow and abilities
Measures for Mid-term Management Plan
25

26. 26
3. Reference Material

27. 27http://www.r-lease.co.jp/csr/download/index.html
Four important themes
13 Priority Issues
Identified
CSR Goal in Mid-Term Management Plan
(Indicators for the major initiatives)
<Target> <Progress>
Creating a healthy, strong
company
Promotion of diversity and inclusion
(1) Female manager ratio: 20% in 2020
(2) Nursing care leave: 0
(3) Employment ratio of persons with disability: 2.5%
(1) Beginning of FY2017 11.9% → End of FY2018
15.4%
(2) FY2018 Nursing care leave: 0
(3) End of FY2016 2.03% → End of FY2018 2.0%
Improvement to achieve an efficient
work style
Realization of work-life balance
(1) Total working hours: Less than 1,700
(2) Overtime: Less than 10 hours
(3) Paid leave acquisition rate: 100%
(1) 2016 1,672 hours → 2018 1,697 hours
(2) FY2016 8.0 hours → FY2018 10.2 hours
(3) 2016 78.8% → 2017 84.6%
Human resource development
Achievement rate of the plan to obtain and develop
professional human resources that are required for the
business reform: 100%
Number of employees who obtained
designated license in FY2018: Up 2.56
times year-on-year
FY2018 recruitment plan, 100% executed
Realization of safety, health and comfort
in work environment
(1) Health check examination rate: 100%
(2) Smoking rate: Within 20%
(1) FY2016 100% → FY2018 100%
(1) FY2016 23.1% → FY2018 20.3%
Creating common value ​​through
business
Pursuit of customer satisfaction
R&D on businesses and products that meet and
anticipate customer expectations
Some examples are introduced in Sustainability
Report
Contribution to solving societal issues
and revitalizing the Japanese economy
(1) % of Operating Profit in Financial Services: 30%
(2) Transaction Volume of Factoring Services : 100.0
billion yen
(3) Number of Transactions in Collection Agency
Services: 25 million cases
(1) FY2016 19.2% → FY2018 21.3%
(2) FY2016 60.6 billion yen → FY2018 78.1 billion
yen
(3) FY2016 17.55 million cases → FY2018 20.07
million cases
Strengthen partnerships with the Group
companies and business partners
Creation of new services and business models that
combine the strengths of each Group companies
Some examples are introduced in Sustainability
Report
Contribution to realization of
decarbonized and recycling society
Continuous operation and improvement
of environment management system
Achievement of every EMS targets Refer to Sustainability Report
Mitigation of and adaptation to climate
change
(1) 1,022 tons—CO2 (FY2019)
(2) Transaction Volume in Environmental Field: 45
billion yen
FY2016 1,089 tons → FY2018 999 tons
FY2016 24.1 billion yen → FY2018 37.1 billion yen
Resource circulation
Further promotion of 3R
• Resource saving and reduction of waste by
appropriate collection and disposal
Recycling rate of properties whose lease period
has expired
FY2016 88.4% → FY2018 86.8%
Support for revitalizing
communities
Conservation of biodiversity 5% increase in the number of participants each year In FY2018, 76% year-on-year increase
Contribution and
donation/reconstruction assistance to
communities
Implement community-based CSR
• Increase number of participants by 10% each year
In FY2018, 13% year-on-year decrease
Collaboration with local communities
Development of CSR activities in line with social
contribution priority areas
• Create opportunities for collaboration and
cooperation with NPOs and NGOs
Some examples are introduced in Sustainability
Report
Cooperative bodies: 6 organizations
Sustainability Report 2019
CSR of Ricoh Leasing

28. 28
2Q
cumulative total
Growth
Rate
2Q
cumulative total
Growth
Rate
修正通期予想
Growth
Rate
Net Sales 155,412 2.8% 165,775 6.7% 329,100 4.8%
Leases 114,256 2.9% 117,829 3.1% 236,500 2.7%
Installment Sales 24,563 3.6% 25,537 4.0% 52,500 4.1%
Loans 1,427 11.2% 1,558 9.2% 3,400 17.7%
Commission Received 2,879 7.7% 3,085 7.2% 6,100 6.5%
Others 12,285 (1.8%) 17,763 44.6% 30,600 23.9%
Cost of Sales 139,265 2.7% 148,100 6.3% 293,500 4.4%
Leases 103,901 3.2% 106,615 2.6% － －
Installment Sales 23,234 3.6% 24,011 3.3% － －
Financial Expenses 510 (8.5%) 545 6.7% － －
Others 11,619 (2.7%) 16,928 45.7% － －
Gross Profit 16,147 3.9% 17,674 9.5% 35,600 8.1%
7,503 5.9% 8,605 14.7% 17,800 13.6%
Personnel Expenses 3,786 6.2% 4,076 7.7% 8,300 6.8%
Provision of Allowance for
Doubtful Accounts
677 9.7% 1,212 78.8% 2,000 22.5%
Operating Profit 8,643 2.2% 9,068 4.9% 17,800 3.0%
Ordinary Profit 8,700 3.9% 9,057 4.1% 17,600 1.2%
Net Income 5,988 3.9% 6,240 4.2% 12,100 1.3%
20/319/3 20/3
Selling, General and
Administrative Expenses
(Million Yen)
Overview of Consolidated Statements of
Income
* Staffing Expenses out of Selling, General and Administrative Expenses have been calculated by including them in “Personnel Expenses”
since the first quarter of 20/3. Accordingly, the figures for the actual results of the previous year have been stated by calculating in the
same standard
Revised Full-
Year Forecast

29. 29
Net sales and profit by segment
2Q
cumulative total
Growth
Rate
2Q
cumulative total
Growth
Rate
Leases and Installment
Sales Business
149,962 2.6% 159,852 6.6%
Financial Services Business 4,106 11.4% 4,571 11.3%
Others 1,343 (3.9%) 1,350 0.6%
Total 155,412 2.8% 165,775 6.7%
19/3 20/3
2Q
cumulative total
Growth
Rate
2Q
cumulative total
Growth
Rate
Leases and Installment
Sales Business
7,052 0.7% 7,310 3.7%
Financial Services Business 1,960 9.4% 2,130 8.7%
Others 103 (8.2%) 219 111.5%
Total 9,116 2.3% 9,659 6.0%
20/319/3
(Million Yen) Net Sales
(Million Yen) Segment Profit
* “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

30. Forward-looking statements including earnings forecasts contained in
this document are based on certain assumptions deemed to be
rational in light of the information available to the Company at the
time of preparing the document, and are not intended to be
guarantees of future performance. Actual results may differ
significantly from plans and forecasts due to a variety of factors.
<Contact>
Corporate Planning Department
Tel : 03-6204-0608
Email : ir@rle.ricoh.co.jp
URL : http://www.r-lease.co.jp
Ricoh Leasing Company, Ltd.