Mitsubishi HC Capital : Financial Results for the 3rd Quarter of Fiscal Year Ending March 31, 2023

Financial Results

for the 3rd Quarter of Fiscal Year Ending March 31, 2023

Mitsubishi HC Capital Inc.

February 10, 2023

Legal Disclaimer

• This presentation contains forward-looking statements regarding estimations, forecasts, targets and plans in relation to the results of operations, financial conditions and other overall management of Mitsubishi HC Capital Inc. and/or its group companies.
• These forward-looking statements are inherently subject to a number of risks and uncertainties that could cause the actual results, performance, achievements, financial position etc. to differ materially from the information expressed or implied by these forward-looking statements, which is based on assumptions and beliefs in light of information currently available to the management of Mitsubishi HC Capital Inc. at the time of publication. Accordingly, due to various risks and uncertainties, the statements are not a guarantee of future performance or developments. We may not be successful in implementing our business strategy, and management may fail to achieve its targets for a wide range of possible reasons.
• Amounts are rounded down in this presentation, which may cause a fractional error in total amounts. We undertake no obligation to update or correct any forward-looking statements after the date of this presentation. The information set forth in this presentation is subject to change without notice.
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• This presentation is created in Japanese and translated into English. The Japanese text is the original and the English text is for reference purposes. If there is any conflict or inconsistency between these two texts, the Japanese text shall prevail.

Definitions of Terms and Figures Used in this Presentation

• MHC: Mitsubishi HC Capital
• MUL: Mitsubishi UFJ Lease & Finance
• HC: Hitachi Capital
• JSA: Jackson Square Aviation (Aircraft leasing company)
• ELF: Engine Lease Finance (Aircraft engine leasing company)
• CAI: CAI International (Marine container leasing company)
• BIL: Beacon Intermodal Leasing (Marine container leasing company)

• Net Income:
  Net income (quarterly/annual) attributable to owners of the parent
• Segment Assets:
  "Operating assets" + "equity-method investments" + "goodwill" + "investment securities, etc."
• • Segment Assets for FYE3/2022:
    Converted into reportable segments after the organizational change conducted on April 1, 2022 in a simplified manner as reference values

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Index

1. Highlights

1. Financial Results for 3Q FYE3/2023

III. Segment Updates

IV. Financial Forecast for FYE3/2023

V. Appendix

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1. Highlights

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Highlights

Net income increased by 13.4% YoY mainly thanks to the profit contribution from CAI and a decrease in credit costs.

• Net income for 3Q FYE3/2023 increased by 10.1 billion yen (13.4%) YoY to 85.9 billion yen thanks to the profit contribution from CAI, a marine container leasing company in the U.S.A. that became our wholly- owned subsidiary in November 2021, a decrease in credit costs including the Aviation segment, and the business growth of the subsidiaries mainly in Americas in the Global Business segment.
• The progress against the financial forecast of 110.0 billion yen in net income was 78.1%.

We have been promoting reorganization of domestic and overseas business branches/ group companies and "Business Portfolio Transformation".

• Since the business integration in April 2021, we have been promoting reorganization of domestic and overseas business branches/group companies to enhance our competitiveness through effective utilization of management resources and integrating our know-how.
• As part of "Business Portfolio Transformation", we have resolved to conduct a transfer of the shares of Diamond Asset Finance, which mainly operates residential real estate-related finance. (Scheduled to transfer in March 2023)
• The new Medium-term Management Plan is scheduled to be started from FYE3/2024.

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