Ricoh Leasing Company, Ltd.

1. Briefing on the Results for the Second
0
Fiscal Year-ending March 2015
Quarter
Oct 22, 2014
Ricoh Leasing Company, Ltd.

2. 1
1. Performance Overview
(Six months ended September 30, 2014)

3. Performance Overview
2
Actual
1,284
148
66
82
YoY (%)
6.3
4.1
6.0
2.5
13/9
Actual
Consolidated Results
Revenue 1,208
Gross profit 142
62 Selling, general and
administrative expenses
Operating income 80
(Operating income margin) 6.6 6.4 △0.2
2.6
-
YoY (Yen)
14/9
81
Income before special items 79
Net income 48 51 6.4
4.0
165.72
22.50
9.91
1.00
(Net profit to sales) 4.0
EPS 155.81
Dividends per share 21.50
(100 million yen, %)
Record
high

4. Performance Overview
3
2
80
82
14/9 Actual
13/9 Actual
Items of Gross Profit
▲2
+2 ▲2
+2
+2
Factors Affecting Operating Income
Items of selling, general and
administrative expenses
(100 million yen)
Increase in
financial
income
Increase in
expenses
Increase in
allowance for bad
debt
Increase in gross
margin for the
lease/installment
business
Decrease in
financing
cost

5. Transaction Volume by Business Performance Overview
Record
high
4
YoY (%)
6.8
26.6
14.9
8.4
7.3
8.3
14/9
Actual
1,283
70
218
1,572
117
1,689
YoY (%)
3.1
32.2
6.9
4.7
7.4
4.8
13/9
Actual
Financial lease 1,244
Operating lease 53
Installments 204
Lease/installment business 1,502
Financial services business 109
Total transaction volume 1,611
(100 million yen, %)
*The above transaction volume is based on acceptance inspections.
Record
high
Record
high

6. Performance Overview
(100 million yen, %)
Japan Leasing
Association
Accumulated in
14/4 to 8 2014
Transaction Volume of Lease/installment Business
13/9
Actual YoY (%)
960 △12.8
201 △33.3
60 △39.4
66 △3.2
5
YoY (%)
9.7
3.7
15.3
6.6
7.2
4.8
8.4
14/9
Actual
944
197
104
128
70
127
1,572
YoY (%)
△1.7
△2.0
71.8
△1.2
6.3
53.0
4.7
Office and IT-related
equipment
Medical equipment
Industrial machinery
Commercial and service
industry equipment
Vehicles and transport
equipment
Others
130 △4.7
83 △0.3
Total transaction volume 1,502 △14.1

7. YoY
(%)
△1.7
△2.0
71.8
△1.2
6.3
53.0
6
2Q
YoY (%)
0.4
6.0
87.1
△7.6
△2.5
31.8
5.9
Actual
471
103
61
71
33
60
802
YoY
(%)
△3.8
△9.6
53.4
8.1
15.9
78.8
3.4
Sum of the first half
Actual
944
197
104
128
70
127
1,572
4.7
Office and IT-related
equipment
Medical equipment
Industrial machinery
Commercial and
service industry
equipment
Vehicles and transport
equipment
Others
Actual
1Q
473
93
42
57
36
67
Total transaction volume 770
Performance Overview
(100 million yen, %)
Trranssaccttiion Vollumee off Leeassee//iinssttallllmeentt Bussiineessss （（Quarrtteerrlly cchangee））

8. Performance Overview
100
50
7
Operating Results by Segment (Lease/installment Business)
Revenue
(100 million yen)
Segment income
1,122 1,124 1,141 1,173
1,246
71
81 78
Record
high
70 71
1,250
1,000
750
500
250
0
10/9 11/9 12/9 13/9 14/9 0

9. Operating Results by Segment (Financial Services Business) Performance Overview
8
Revenue
Segment income
(100 million yen)
22.4 22.5
24.9
27.4
Record
high
29.8
9.3 9.5
11.9 13.0 13.9
30
25
20
15
10
5
0
10/9 11/9 12/9 13/9 14/9
営業利益
構成比12.0% 10.9% 13.8% 16.3% 16.9%
Record
high

10. Fiinancciiall Seerrviicceess Bussiineessss -- Prriiorriitty Meeassurreess Performance Overview
9
（億円）
（万件）
23
90
198
149
600
300
200
100
0
12/3 13/3 14/3 15/3 中計目標
（17/3）
63
92
106
113
170
150
100
50
0
12/3 13/3 14/3 14/9 中計目標
（17/3）
Care website
Collection of money
representation
product website
Number of monthly transaction cases of
collection agency services by year
Factoring services for nursing-care benefits
- transaction volume by year

11. Loans
Installments
Operating lease
Financial leases
(of which,
securitized portion)
10
Balance of Operating Assets and Default Rate
0.46
0.28 0.27 0.24
6,142 6,333 6,520
0.19%
6,978 7,079
1,099 1,099
979 1,039 612 644 1,044
461 508 567
96 97 107
123 149
4,605 4,687 4,802 5,142 5,185
7,000
6,000
5,000
4,000
（245）
（243） （244） （245）
（246）
12/9 13/3 13/9 14/3 14/9
(100 million yen)
Default rate = Default loss amount / Average balance of operating assets
Default rate
(%)
* Figures show balances with securitized portions not deducted.
Performance Overview
Record
high

12. Total Procurement Amount and Financing Cost Performance Overview
Total
procureme
nt amount
Financing
cost
11
Short
term
Long
term
6,000
5,000
4,000
3,000
2,000
1,000
0
Fixed-charge coverage ratio (%)
10
9
12/9 13/3 13/9 14/3 14/9
7
9
10
5,264 5,425
5,648
5,988 6,170
55.5
57.9 57.1 56.9 58.6%
[Company
ratings]
S&P A
R&I A+
JCR AA-
* The total procurement amount shows the balance with debts payable due to securitization not deducted.
Financing costs show expenses included in gross profit on sales.

13. 12
62 62 66
1 2
3
△6 △3
57 58
31 31 31 31 32
32 30 29 28 30
80
60
40
20
0
12/9 13/3 13/9 14/3 14/9
Allowance
for bad debt
Personnel
expenses
Others
Total Selling, General & Administrative Expenses
(100 million yen)
Performance Overview

14. 131
2. Financial Forecasts
(Fiscal Year Ended March 31, 2015)

15. Financial Forecasts
YoY (%)
5.7
3.9
6.1
2.1
Initial
forecast
2,550
294
130
164
Consolidated Income Forecast
14/3
Actual
2,459
285
125
160
Gross profit
Selling, general and
administrative expenses
Operating income
(Operating income 6.5 6.4 -
margin)
2.0
162
158
Income before special
items
Net income 95 100 4.7
(Net profit to sales) 3.9 3.9 -
14
Revised
forecast
2,600
297
133
164
6.3
162
100
3.8
320.34
Difference
50
3
3
0
△0.1
0
0
△0.1
0.00
YoY (Yen)
14.40
320.34
15/3
305.94
EPS
Revenue
(100 million yen, %)

16. Transaction Volume Plan Financial Forecasts
13/3
ratio
growt
h rate
13.4
44.0
25.2
15.9
15.7
15
14/3
ratio
growt
h rate
△1.9
19.6
7.5
0.0
0.7
0.1
13/3
Actual
2,332
Financial lease 2,695 2,752
86
Operating lease 104 109
Installments 351
409 414
2,770
216
2,986
Revised
forecast
2,645
125
440
3,210
250
3,460
Differen
ce
△107
16
26
△65
△25
△90
15.9
14/3
3,457 3,550
Total transaction
volume
248 275
Financial services
business
3,209 3,275
Lease/installment
business
I n i t i a l
Actual f o r e c a s t
15/3
(100 million yen, %)

17. Financial Forecasts
YoY
(%)
△4.4
△4.6
23.6
2.9
2.4
31.2
16
13/3
Actual
1,734
400
117
244
114
159
2,770
Revised
forecast
1,940
420
210
260
130
250
3,210
Difference
△100
△40
25
0
0
50
△65
14/3
Actual
2,028
440
169
252
126
190
3,209
Initial
forecast
2,040
460
185
260
130
200
3,275
15/3
0.0
Office and IT-related
equipment
Medical equipment
Industrial machinery
Commercial and service
industry equipment
Vehicles and transport
equipment
Total
Others
(100 million yen, %)
Lease/installment Business:
Forecasts of Transaction Volume by Category

18. On Business Customer New Business
O C e a N Strategy
Efficiency
ALM
Accident-less
ES (Employee Satisfaction) > CS (Customer Satisfaction)
1175
Priority Measures
Earn profits and create an “ocean” of enhanced corporate value by expanding
“products handled & areas covered,” “customers” and “new fields and businesses”
and reinforcing the management foundation
Business
Manage-ment
Found-ation
CSR
(Efficiency enhancement)
(Asset/liability management,
fund procurement)
(Less accidents)
> >
Financial Forecasts

19. 18
FY2014H2 priority areas
Business productivity
Business expansion Effectiveness
On Business
Customer （Expansion of the customer）
New Business
Efficiency （Personnel efficiency）
ALM （Asset Liabilty Management）
Accidentless
Expertise in vendor leasing
Number of vendors：6,000社
Customers ：About 400,000 companies
⇒mainly small to mid-sized companies
Industry’s top funding capabilities
Small amount/high volume
contracts  Diversification of risks
No. of operational processing：
About 1.2 million / year
Strategy OCeaN
Strengths
Collaboration with Ricoh Group
１ Business expansion
2 Effectiveness
3 Human resources
“To be the industry’s No. 1 in the administrative and information
segment and the medical and health care segment”
Cross-organizational process reform
Personnel system, human resources development
【Three reform 】
Financial Forecasts

20. 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 preparation of the document, and are not intended
to be guarantees of future performance. Actual results may differ considerably from plans and forecasts due to a variety of factors.
19
Communication
Speed
Challenge
&
&
Ricoh Leasing Company, Ltd.

21. (100 million yen, %)
Leasing revenue 6.0
Installment revenue 13.8
Revenue from loans 9.2
Received commission 7.3
Other revenue △0.1
Revenue 6.3
20
YoY (%)
0.7
11.4
3.0
15.8
15.1
3.1
14/9
Actual
1,000
147
12
20
104
1,284
Actual
13/9
944
129
11
18
104
1,208
YoY (%)
Breakdown of Revenue

22. Revenue Forecast Financial Forecasts
YoY
(%)
6.2
14.1
7.4
8.5
△8.2
21
Revised
forecast
2,019
306
25
39
211
2,600
Difference
19
26
1
2
3
50
Initial forecast
2,000
280
24
37
208
2,550
15/3
5.7
14/3
Actual
Leasing revenue 1,901
Installment revenue 268
Revenue from loans 23
Received commission 35
Other revenue 229
Revenue 2,459
(100 million yen, %)

23. 22
164
15/3 Forecast
4
160
14/3 Actual
▲4
+3
▲4
+7
+2
(100 million yen, %)
Items of Gross Profit Items of selling, general and
administrative expenses
Increase in gross
margin for the
lease/installment
business
Increase in
financial
income
Decrease in
financing
cost Increase in
expenses
Increase in
allowance for bad
debt
Foorreeccaassttss ooff Faaccttoorrss Affffeeccttiingg Opeerraattiingg IInccoomee ooff FY22001144