Ricoh Leasing : Integrated Report 2023 Single page（11.1MB）

Ricoh Leasing Company, Ltd.

Corporate Planning Department

New Otani Garden Court 14F,

4-1,Kioi-cho,Chiyoda-ku, Tokyo 102-8563 Tel: [phone]https://www.r-lease.co.jp/en/

Integrated Report Ricoh Leasing

2023

CONTENTS

Introduction
Corporate Philosophy /
Basic Stance / Uniqueness	2
Target Vision of Ricoh Leasing	4
Engagement with Society	6
A Look at Ricoh Leasing from the
Perspective of Our Uniqueness	8
Financial Highlights
Non-financialHighlights	10

Driving Force for

Continuous Value Creation

Message from the CEO	12
History	18
Value Creation Process	20
Business Model	22

Key Strategies to

Promote Value Creation

Review of the Mid-term Management Plan	24
Overview of the Mid-term Management Plan	26
Financial Strategy	28
System Strategy	30
Human Resources Strategy	31
Overview of Human Resources Strategy	32

Sustainability Strategies

Promotion of Sustainable
Management	34
Non-financialTargets	36
Message from the Officer
in Charge of Sustainability	38
Contribute to a Clean
Global Environment	40

Enhance Quality of Life	48
Develop a Virtuous Cycle for a
Sustainable Economy	51
Create a Happiness Company
and Society	54
Expert Dialogue
Sustainability Management
and the Future	60

Introduction	Driving Force for	Key Strategies to	Sustainability	Business Strategies	Corporate	Performance
Continuous Value Creation	Promote Value Creation	Strategies	Governance

Business Strategies

Results by Segment	64
Message from the Officer
in Charge of Sales	66
Business Strategies	68
Strategies by Business Field	70

Corporate Governance

Corporate Governance	72
.......	78
Two Outside Directors in Conversation
Compliance	80
Risk Management	82
List of Officers	84

Performance

Editorial policy

• Ricoh Leasing Company, Ltd. ("the Company") publishes the Ricoh Leasing Integrated Report as a means of informing shareholders, investors and all other stakeholders of the Ricoh Leasing Group's views on and actions for value creation. The report's purpose is to present the Group's corporate philosophy, medium- to long-term vision of becoming a Circulation-Creating Company and strategies for achieving that vision, history and corporate story on the path to sustainable growth.
• Integrated Report 2023 has our corporate story at its core and focuses on the newly formulated new Mid-term Management Plan and our approach to sustainability management, from the perspectives of both financial and non-financial information. We have included in this report messages from individual directors, including President Nakamura, as well as a snapshot of our engagement implementation as described in conversations between outside directors and discussions with experts.
• In the process of preparing this report, we verified the interests and expectations of our stakeholders, interviewed people inside and outside Ricoh Leasing, including top management, and referred to the International Integrated Reporting Council (IIRC) framework advocated by the IFRS Foundation (former VRF) and the Guidance for Collaborative Value Creation issued by Japan's Ministry of Economy, Trade and Industry to select and decide the key subjects to be reported.
• Reporting period: Fiscal 2022 (April 1, 2022 to March 31, 2023; "FY2022")
  Note: This report includes some information from outside the reporting period.
• Scope of report: Ricoh Leasing Company, Ltd., Techno Rent Co., Ltd., Enplus Inc., Welfare Suzuran Co., Ltd. and Tokyo Business Rent Co., Ltd. ("the Ricoh Leasing Group")
• Publication: November 2023
• For inquiries regarding this report, please contact: Corporate Planning Department, Ricoh Leasing Company, Ltd.
  TEL.[phone]

Major Financial Data	86
ESG Data	88
Corporate Information
and Stock Information	93

Note regarding forward-looking statements

In addition to past and present facts about the Group, this report contains forecasts and strategies focused on the future. These are predictions of the future based on the information available at the time of preparation. Due to various factors, these predictions may differ from actual performance and the results of business activities.

This report has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated report and the Japanese original, the original shall prevail.

Information disclosure system

The Group discloses financial and non-financial information through the following resources. Please refer to our website for the latest information.

	Financial Information		Non-Financial Information
	Integrated	Report
	Business Report
	Annual Securities Report
	IR Presentations			Corporate Governance
					Report
	Shareholder and Investor
	Information Site				Sustainability Site
	https://www.r-lease.co.jp/en/ir/				https://www.r-lease.
					co.jp/en/sustainability/
					management/

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P U R P O S E

Corporate Philosophy

We will be a bridge to an abundant future with our independent financial and services.

Basic Stance

1. We will contribute to the development of a sustainable global society with our integrity and reliable business activities.
2. We will connect our customers to the future and society with services beyond expectations.
3. We will create an enjoyable and active working environment while respecting each other.
4. We will answer stakeholders' expectations by enhancing corporate value.

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Introduction	Driving Force for	Key Strategies to	Sustainability	Business Strategies	Corporate	Performance
Continuous Value Creation	Promote Value Creation	Strategies	Governance

Uniqueness

Since its establishment in 1976, the Ricoh Leasing Group has provided support for a wide range of capital investments, especially for small and medium-sized business, and has contributed to improving business efficiency and creating new businesses. Here we introduce five elements that characterize the independent financial and services that the Group has cultivated over the years.

Targets

Mainly business

to business

Timeframes	Deal Size
From small-amount,
Mainly 5-year
small-volume
leases	transactions on up

Uniqueness

RegionsStyle

Expanding to new	Continuous business
regions, mostly in	evolution
Japan

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Our Future Target Vision of Ricoh Leasing

Ricoh Leasing Group started a new three-yearmedium-term management plan from April 2023. We will aim to realize the abundant future set forth in our corporate philosophy by focusing on strategic planning that combines contributions toward corporate growth opportunities through the utilization of transaction data centered on vendor leasing, which is our Group's DNA, with work on

the four material issues identified for solving social issues through our business activities.

Material Issues

Social issues

• Response to climate change
• Creating a decarbonized society
• Smaller working-age population
• Aging of social infrastructure
• Digitalization
• Regional inequalities, etc.

Solving social issues

through business

activities

DNA

of Ricoh Leasing

Use of transaction

data, especially vendor leasing

Develop a

Enhance

virtuous cycle

quality of life

for a sustainable

Create

Contribute to

economy

a happiness

a clean global

company and

environment

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society

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Medium-to-Long-Term Vision

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Become a Circulation

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Creating Company

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Introduction	Driving Force for	Key Strategies to	Sustainability	Business Strategies	Corporate	Performance
Continuous Value Creation	Promote Value Creation	Strategies	Governance

CorporatePhilosophy

We willbe a bridge to

anabundant future with

our independent financial and services.

Support for corporate growth opportunities through business activities

Corporate growth

opportunities

• Starting a business
• Capital investment
• Financing
• General business operations
• Business succession, etc.

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Our Business Engagement with Society

Based on its corporate philosophy, the Ricoh Leasing Group will, in addition to providing financial services to its customers, contribute to the resolution of social issues and the achievement of the SDGs by improving people's quality of life and the economy through the circulation of goods and services.

Base station equipment

	Solar power	Data centers
Relocation management
generation business
services

		Doctor support
		loans
Support for agriculture		Construction and
and livestock	Rental business	earthmoving equipment
	(vibration measuring instruments)
		Medical equipment

Printing machines and	Collection agency
industrial machinery
	services

Electric cars

Cubicles	Teleconferencing systems

Building leases

Forklifts

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Introduction	Driving Force for	Key Strategies to	Sustainability	Business Strategies	Corporate	Performance
Continuous Value Creation	Promote Value Creation	Strategies	Governance

Renewable energy power

generation equipment

Leases & Finance Business

In addition to finance leases, operating leases, installment sales, and credit for office equipment such as multifunction copiers and PCs, medical equipment, industrial machinery, and measuring instruments, we also provide financing such as corporate loans, industry- specific loans, housing loans, and condominium loans. In addition, our subsidiary Techno Rent Co., Ltd. provides rental services for office equipment, measuring instruments, and other equipment.

• Finance leases	• Operating leases
• Installment sales	• Rental	• Loans

Services Business

Factoring services for healthcare & nursing-care facilities

Nursing-care management

Housingrental and real estate business

We provide agency services such as invoice issuance and accounts receivable collection that contribute to the efficiency of our clients' billing and collection operations. We also provide factoring services for healthcare and nursing-care facilities to support cash flow for medical and nursing care providers. Welfare Suzuran Co., Ltd. operates nursing-care and nursing home facilities. Enplus Inc. operates a

Scalesystems POS systems

Office equipment

LED lighting

Server equipment

Computers	Telephones	Multifunction
		copiers

relocation management business and a serviced apartment business that provides total support to foreign nationals posted overseas.

• Collection agency services
• Factoring services for healthcare and nursing-care facilities
• Relocation management
• Nursing-caremanagement

Investment Business

As Japan moves toward the realization of the government's goal of a carbon-neutral society by 2050, we are channeling efforts into the solar power generation business, one of the renewable energy sources for which demand is on the increase. And to address the demand for new housing environments to accommodate Japan's declining birthrate, aging population, and changing demographics, we are engaged in the housing rental and real estate business.

• Housing rental and real estate
• Solar power generation

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