CMYK

1 2017

PrinciplesMissionCore Values Vision2016 2018

ISO260002010IIRCInternational Integrated Reporting Council 2013 12 GRIGlobal Reporting Initiative GRI 4 2013 5 2005 2005 2 2012 2012 4

2016 2016 4 1 2017 3 31

http://www.hitachi-capital.co.jp/hcc/ir/index.htmlhttp://www.hitachi-capital.co.jp/hcc/company/c_governance.html

CSR

IRWeb

Web

Web

http://www.hitachi-capital.co.jp/hcc/company/csr.html

Principles

Mission

Vision20162018

Core Values

Principles

1. 2. 3.

UFJ UFJ

22017

Our V

alues

Our Values

2016

ESG

41-43

44

44

45-46

3-6

7-8

9-10

11-12

13-14

15-26

27-28

29-40

( )

http://www.hitachi-capital.co.jp/hcc/company/management.html

IR

CCR

EAPEmployee Assistance Program

MissionCore Values

Web

2016 2018 2018 2017 3

20173

2017

201720162015

Key Performance Indicator )ROE

466 415 500 460

201720162015

9.9% 8.3% 9%9.6%

2018

2018

Our V

alues

42017

CEO

ROA

2016 5

201720162015

1.6% 1.4% 1.7%1.5%

2016 5 UFJMUFG UFJ MUL10 MUFG

2018

MUFG MUL

5 2017

5-15-2 M&A MUFGMUL AI IT 5-3

2017 4 SKY

Key Performance Indicator )OHR

5-1

5-2 Vehicle Solution

5-3

28 2016 5 6

59.9% 27.3 62.5% 60% 10 060.7 25.1

2017

2017

2018

2018 20162016 20152015

2017 P33

2018 IT 3 2017 3 M&A ROA 2.2% 20 OHRROA 1.5% 0.2% 62018 3 2018 2019 3

62017

Our V

alues

320MW 500MW368MW

201820162015

SKY

7 2017

SDGs

QOLQuality of Life:

ASEAN

MUFGMUL

()

P1920

P1518

P2122 P2324 P2526

P1314

P4146 P3740 P3233

P2844

P36

Way

SDGsSustainable Development Goals MDGs2015 150 2030 17 169

BPO(Business Process Outsourcing):

SDGs

SDGs 2030 SDGs17

MUFGMUL

LCM

QOLQuality of Life:

BPO

82017

Our V

alues

SDGs

QOLQuality of Life:

ASEAN

MUFGMUL

()

P1920

P1518

P2122 P2324 P2526

P1314

P4146 P3740 P3233

P2844

P36

IoT AI MUFGUFJ MULUFJ

9 2017

BPO

2018 Mission

2016 662016 2018 2018 2016 2018

2

20186

ROA2%

IT

M&AIT

M&A 3,000IT200 200

BPO

OA

102017

Our V

alues

2016 5 13 MUFG UFJ BTMUMUL MUL 53 MUFG MUL103MUFGMUL

2016103

UFJ

UFJ

33.4

23.4

3.0

23.0

4.2

CMO 2016 MUFGMUL MUFG

CMO

2016 2016 2016 5 13 2 MUL 5 MUFG

BTMU MUL3 MUFGMUL

2016 8 3 MUL 2016 8 29 2016 10 3 MUFG MUL2017 1 4

JII 4 2017 2 28 MUL 1

2017 9 JII High Speed 1 75

MUFG MUL MUL

UFJ UFJ

11 2017

2016 2016 *

KPI

47.024,656

30.2

8.3

14.1

ASEAN0.4235

460

4,343

7,429

15,842

ASEAN17.5%

50.2%2,681

22.2%1,185

5.7%302

4.4%233

5,337

936

2016 EU KPI

Input2015

2015

Output2016 2016

22,901381223,4163,475

5,142

10.9

2016

2334232,45025,4673,631

5,337

10.8

2,451259

819447 31556

19,162 GJ

3,70846030.5%

CO2944t-CO2

368MW

BPO

ITSmart Transformation ProjectSKYOHR

EUM&A

1.5%0.0 1.5%+0.22.2(+0.0

60.7%+0.7%

KPI:ROA

KPIOHR 9.60.3

KPIROE

P15-18

P19-26

P29-40

122017

Our V

alues

2016

20164

2017195 106 117 128 3

41CEO

512CreekridgeCapitalLLC IT

662016 2018

613HitachiCapitalManagement(China)Ltd.

1121

22NoordleaseHoldingB.V.

6

513MUL53 MUFGMUL

10 312 28

P22

P10

P10

P9-10

P13-14

P15

P23-24

P44

P19-20

P32

Input2015

2015

Output2016 2016

22,901381223,4163,475

5,142

10.9

2016

2334232,45025,4673,631

5,337

10.8

2,451259

819447 31556

19,162 GJ

3,70846030.5%

CO2944t-CO2

368MW

BPO

ITSmart Transformation ProjectSKYOHR

EUM&A

1.5%0.0 1.5%+0.22.2(+0.0

60.7%+0.7%

KPI:ROA

KPIOHR 9.60.3

KPIROE

http://www.hitachi-capital.co.jp/hcc/newsrelease/index.htmlWeb

ROA OHR

2

13 2017

3CGSESCO 2016 3

2017 1MULBTMU JIIIoTAI JII

2018 1,500 M&A

CO2 16iii

2017 9 High Speed 1HS1 75 JII 1,000

MUFGMUL

P15-26

20162018MA

Noordlease Holding B.V.20171Corpo Flota Hitachi Capital Polska Sp. z o.o.20144

ESCO

142017

Our V

alues

2014 4

ESCO Energy Service Company ESCO

ESCO ESCO ESCO

PPPP16

2017 3 2017 8

CGSCGS

21

CGS

7500kW5200kW

CGS:Cogeneration System

P15-26

UFJ UFJ

Equitix75

100

InfraRed

HS1

JII

2017 9 Equitix InfraRed HS1 35% 65% HS1 JII Equitix HS1 75

15 2017

2016

2018 500MW 2017 2 MUL 2

ASEAN

IT

15-1 2018 BPO

2018 :

ESCO

P13-14P30

BPO IT

2016 15-12016 2632OHR 62 32016

BPO

162017

Our V

alues

16-1 PPP: Public Private Partnership PFI

16-2 PFI Private Finance Initiative

PPP16-1PFI16-2PPPPFI

1992350() IoT

2017 3 PFI

2021 4

17 2017

2017 3 17-1

ICT

e 2017 1IoT

17-1

IoT

( )

e

182017

Our V

alues

ROA

OHR

2018 500MW 2018 10

2018

CAGR 8%ROA 1.9%2%

0

50

100

150

200

250

300

0.0

0.5

1.0

1.5

2.0

2.5

3.0ROA

2016 2015 2014

%

1.1

1.31.5

148

205

231246

193200

34

2538

CAGR2015 2018

201620152014

64.668.7

61.9

%

0

10

40

50

60

70

2018 ITAI IT SKY 2017 P33

IT

/

26% 32%

2015 1.68

2016 1.64

19 2017

2016

Hitachi Capital (UK) PLC HCUK1982 CFVSBF2013 2015 18%

2016 6 23 EU HCUK

ASEAN

2018

IT

Brexit

(CF)

(VS)

(BF)

(EBD)

CF1,25659%

CF2,28956%

VS46922%

VS75818%

BF39219%

BF1,08726%

2016 4,133

2014 4 HCUK Hitachi Capital Polska Sp. z o.o.( Corpo Flota Sp. z o.o. )

2016 CF2016 2016

202017

Our V

alues

HCUK 2013 HCUK 2016 10 20-115

2017 1 31 Outsourcing Stars Gala20-3Hitachi Capital Polska Sp. z o.o. HCPL 2015 2016 1HCPL

20-2

20-3 Outsourcing Stars Gala

20-1 10

20-2

ROA

2018

CAGR 8%ROA 2.5%

Noordlease Holding B.V.

0

40

80

120

160

200

0.0

0.5

1.0

1.5

2.0

2.5

3.0ROA

2016 2015 2014

%

2.8

2.82.7

148

170173

198158

CAGR2015 2018 ROA2014

Hitachi Capital Polska Sp. z o.o. Micha Iwanek

2017 1 Noordlease Holding B.V.

21 2017

ASEAN

2016

2018 Hitachi Capital Canada Corp. CLE Capital Inc.

HitachiCapitalAmericaCorp.Chairman&CEO

2018

PMIM&A

FRB M&A

2016 2016 IT2016

2015 2016 2018

2015+60%

2,300

222017

Our V

alues

2016 5 Hitachi Capital America Corp.HCA Creekridge Capital LLC IT 2019 5.322-1

ITIT202013.522-1

22-2

1989 HCA 1 HCA 22-3HCA

22-3 ( )

22-1 Three Keys Capital Adulsors, LLC

22-2

ROA

ITM&A

2017 M&A

2018

CAGR 20% ROA 2.0%

Creekridge Capital LLC

0

10

20

30

40

50

0.0

0.4

0.8

1.2

1.6

2.0ROA

2016 2015 2014

%

22

1.81.7 1.7

3235

4443

CAGR2015 2018 ROA2014

23 2017

ASEAN

2016

Hitachi Capital (Hong Kong) Ltd. HCHK23-123-2 ( ) HCL ( ) HCFHCHK HCL HCF

23-1

23-2

1,034MW

() () HitachiCapitalHongKongLtd.Chairman

2018

HCMC

2016 82015 7(2016 )HitachiCapitalManagement(China)Ltd.HCMC (2016 )

242017

Our V

alues

20166HCMC

2016 42016 62016102017 2

HCMC HCL

8 HCHKHCMCHCL 4

ROA

HitachiCapitalManagement(China)Ltd.

PPPEV

2018

CAGR 9%ROA 2.0%

%

0

20

40

60

80

100

0.0

0.5

1.0

1.5

2.0

2.5

3.0ROA

2016 2015 2014

2.4 2.42.4

556771

7874

CAGR2015 2018 ROA2014

25 2017

2016

Hitachi Capital Malaysia Sdn. Bhd.( HCMY) 25-1 2 PDCA

2018

IT

25-1

ASEANHitachiCapitalAsiaPacificPte.Ltd.CEOManagingDirector

ASEAN

IT

2016 2016 2016

ASEAN

262017

Our V

alues

3PL 26-1 PT. Hitachi Capital Finance Indonesia

Hitachi Capital Asia Pacific Pte. Ltd. Hitachi Capital (Thailand) Co., Ltd.ASEAN PT. Arthaasia Finance( AAF) 2016 8 "Fellowship Gathering"2017 3 "Management Training Camp" ASEAN AAF 50 6

ASEAN

ROA

IT ASEAN

ASEAN

2018

ROA 1.0%

2016 8 2017 3 AAF

%ROA

2016 2015 2014

0.2

0.2

0.3

2.12.4

3.72.3

0

1

3

2

4

0

0.1

0.2

0.3

0.4

0.5

0.0

ROA2014

26-1 3PL

27 2017

IR http://www.hitachi-capital.co.jp/hcc/ir/

Web

2018

0

100

200

300

400

500

2016201520142013

331

355

466

460

7.7

9.9

7.6

ROE

ROA1.2 1.2

1.6

0

2

4

6

8

10

2016201520142013

1.5

9.6

63.1 59.965.1

0

10

20

30

40

50

60

70

80

2016201520142013

60.7

2018 500

ROE 2018 9%OHR

ROA 2018 1.7%

460415

500

2016 2017 2018

5015

45 12 13

(

17

26

IT

71

IT

140130110

600

80 180130 120110

10

9

9.6% 8.3%ROE

2018 2016 6 1 180 1 120 1 130 1 110 500 ROE 9

2018 IT M&A

282017

Our V

alues

0

1234

5

6789

1110

2016 201720152014

53 64

5

7

9

31

3

84

11

3

2

2

%

0

1,000

2,000

3,000

4,000

5,000

6,000

0

10

20

30

40

50

ASEAN

2016201520142013

2,898

2,958 2,695 2,681

872 976 1,0531,185

87

177

213

302241

5,280 5,397 5,1425,337

231223

2331,182 1,055 958 936

32.4

35.1

35.8

13.7 15.417.5

ESG

ht tp: //www.h i tach i - cap i ta l .co .jp/hcc/company/environment.html

ht tp: //www.h i tach i - cap i ta l .co .jp/hcc/company/c_governance.html

ht tp: //www.h i tach i - cap i ta l .co .jp/hcc/company/community.html

Web

WebWeb

/Environment

/Society /Governance

CO2

2003

CSR http://www.hitachi-capital.co.jp/hcc/company/csr.htmlWeb

P29-30

P31-34 P35-40

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

0

200

400

600

800

1,000

1,200

1,400

1,600

1,800

20162016201520142013

29,667 28,060

19,095 18,999

944936940

1,3961,553

19,162

GJ -CO2 MW

0

100

200

300

400

500

600

20182016201520142013

196

255

320367.6

500

( ) 2017 6

2014

Mission Principles CSR

CSR

ESG

29 2017

E n v i r o n m e n t

EMS

77

200316

367.6MW

329kl

8.6

19,162GJ

0.35%

14,649

13

411,166

944t-CO2

0.35%

83.6t

ecoPC

2016

WEB http://www.hitachi-capital.co.jp/hcc/company/environment_performance.html ecoPCPC

eco PCCO2 2 2016 6 2014 9

2016

302017

Our V

alues

2018 EMS EMS

2016 13SKY

2016 368MW 2018 500MW

LCMIT BPO IT

Webhttp://www.hitachi-capital.co.jp/hcc/company/environment.htmlWeb

2018 2016 /2017

EMS

EMS

EMS

5%/

274%/ 368MW15% 212016 7

CO2

2015 0.5

CO2 2015 0.35

SKY P33

- 5

- 8.6

213.183.6 t6,063m3

2016

3 124 2

2016

0

5,000

10,000

15,000

20,000

25,000

30,000

20162016

2015201420132012

14,649 16,527

26,254

20,934

18,31416,865

13

31 2017

Core Values

S o c i e t y

2015 12 (1) (2) (3)

2015 2016

67 27

96,579 49,487

214,451 231,778

311,097 281,292

1,244,418

1

http://www.hitachi-capital.co.jp/hcc/company/supplychain.htmlWeb

WEBhttp://www.hitachi-capital.co.jp/hcc/inquiry/policy.html

2016

322017

Our V

alues

Principles

http://www.hitachi-capital.co.jp/hcc/company/humanresource.htmlWeb

ILO

Core Values 2016 6

2016 2018 MUFG

WEBhttp://www.hitachi-capital.co.jp/hcc/company/humanresource.html2016 8 HitachiCapital(UK)PLC Anti-SlaveryandHumanTraffickingStatement HitachiCapital(UK)PLC

2016 2016

ASEAN

2,681 1,185 302 233 936

1,945 568 171 105 637

736 617 131 128 299

828 134 17 11 1

ASEAN

872 353 94 39 161

809 233 61 24 126

63 120 33 15 35

2015 2016

74 72.5

2.38% 2.38%

2 1

33 2017

ZERO

SKY

1,852

2,0981,743

201630025

201712010

20180

2015 2016 20172018

17

328

82

300

82 120109 109

0

SKY

2017 6

7.75 2017 2018

2016 2017

36up38

74

SKY 2017ICT ZEROSKY 2017 6 1 25 31

342017

Our V

alues

2017 8

http://www.hitachi-capital.co.jp/hcc/company/community.htmlWeb

28

2016 5,789

Hitachi Capital (UK)PLC Business Finance

Hitachi Capital(Hong Kong)Ltd.

Hitachi Capital Polska Sp.z o. o.

Hitachi Capital(Thailand) Co., Ltd. PT.Arthaasia Finance

8 189kg

Walk for Millions

CLE Capital Inc. Comit daction

Communautaire(CAC)

28 4 16

SKY

0.10.6

2.5

3.0

80.5

13.32016 5,789

35 2017

G o v e r n a n c e

2013 2014 2015 2016 2 2 1 2

2013 2014 2015 2016 3 3 4 9

http://www.hitachi-capital.co.jp/hcc/company/c_governance.htmlWeb

2016 2016 (HCGCP) 2017

2013 ~2016 2015

WEB http://www.hitachi-capital.co.jp/hcc/company/csr_policy.htmlHCGCP

362017

Our V

alues

WEBhttp://www.hitachi-capital.co.jp/hcc/company/c_governance.html

ERM

BCP: Business Continuity Plan2017 10 CISOERM

Enterprise Risk Management(1) (2) (3) (4) (5) (6) 2016

ERM(PDCA)

ERM

PDCA

1

2

3

37 2017

http://www.hitachi-capital.co.jp/hcc/company/c_governance.htmlWeb

ERM

382017

Our V

alues

4

3

2017 6 23 5 4

CEOCOO ASEAN

2017 6 23 11 8 12017 4 2 Web

10 7

116 39

568

17247

10 286 90 377 20 402 146 5491 2016 6 24 59

2 4 59 1

5 2015 3 31 1 2017 3 311 36

39

39 2017

http://www.hitachi-capital.co.jp/hcc/company/directors.htmlWeb2017623

/

/

20/20100 2

/CFO

15/15100 1

/

15/15100 1

/

- -

/

13 /13 100 1

/CIO CTrOSmartTransformationProject

- -

/UFJ UFJ

MUFG MUL 5 MUFG

MUFG

- -

402017

Our V

alues

2017101

/

/UFJ

MUFG MUL 5 MUL

MUL

MUL

- -

2016

20 /20 100 10

/CEO

CEO

15/15100 1

- -

CSR

CMO

Hitachi Capital America Corp. Chairman & CEO

CRO

ERM J-SOX

CHRO

CIOCISO

Hitachi Capital Hong Kong Ltd. Chairman

CFO

41 2017

IFRS

2013 2014 2015 2016

342 ,675 356,291 365,354 370,860

33,171 35,598 46 ,667 46,033

22,350 24 ,937 33 ,615 34,229

21,547 24 ,140 32 ,694 32 ,926

1,954,341 2 ,118 ,850 2 ,290,156 2 ,334,252

2,619,108 2 ,952 ,471 3,081,201 3,245,029

2,310,417 2 ,615,641 2 ,733,641 2 ,881,851

308,690 336,830 347,559 363,178

260,693 241,846 206,372 142 ,653

12 ,750 3 ,443 6,408 52 ,388

282 ,772 210,858 252 ,425 216,105

ROE 7.6% 7.7% 9.9% 9.6%

ROA 1.4% 1.3% 1.5% 1.5%

OHR 65.1% 63.1% 59.9% 60.7%

/ 11.4% 11.0% 10.9% 10.8

1 2,551.93 2 ,782 .37 2 ,870.33 2 ,993 .03

1 184.35 206.53 279.71 281.69

1 48 60 84 86

26.0% 29.1% 30.0% 30.5%

IR http://www.hitachi-capital.co.jp/hcc/ir/

Web

422017

ESG

Our V

alues

5

0.00

100.00

-100.00

20,000,000

20131

20137

20127

20141

20147

20151

20157

20161

20167

20171

20131

20137

20127

20141

20147

20151

20157

20161

20167

20171

2012 4 1 0.0 ValueSearch

% %

39,031,800 31.27 33.40

UFJ 26,884,484 21.54 23.01

UFJ 4,909,340 3.93 4.20

2,992,600 2.40 2.56

STATE STREET BANK AND TRUST COMPANY 2,726,501 2.18 2.33

1,897,400 1.52 1.62

STANDARD LIFE ASSURANCE LIMITED-PENSION FUNDS 1,471,300 1.18 1.26

MSCO CUSTOMER SECURITIES 1,045,620 0.84 0.89

JP MORGAN CHASE BANK 1,030,100 0.83 0.88

NORTHERN TRUST CO. 1,019,400 0.82 0.87

2017 3 31

270,000,000 124,826,5527,3381100

7,940,222 6.36%

43 2017

2016 3 2017 3 2016 3 2017 3 173 167 89,884,494 72.01% 85,586,184 68.56%

63 61 17,341,357 13.89% 40,377,545 32.35% 47 35 1,117,892 0.90% 600,173 0.48% 63 71 71,425,245 57.22% 44,608,466 35.74%

0 0 0 0.00% 0 0.00% 6,400 6,875 5,217,604 4.18% 5,323,939 4.27% 296 295 21,784,518 17.45% 25,976,207 20.81% 6,869 7,337 116,886,616 93.64% 116,886,330 93.64% 1 1 7,939,936 6.36% 7,940,222 6.36% 6,870 7,338 124,826,552 100.00% 124,826,552 100.00%

1

2

1.

2.

3.

4. IR IR

5.

442017

ESG

Our V

alues

ESGESG

DBJ

20176

S&P A

JCR AA

R&I AFTSERussell

FTSE4Good Index SeriesFTSE Blossom Japan Index

MSCI MSCI ESG

2016

61 10,000

62 30,000

63 20,000

64 10,000

( )

20,000

( )

10,000

Hitachi Capital (UK) PLC

573,457

Hitachi Capital America Corp.

100,000

Hitachi Capital (Hong Kong) Ltd.

300,000

Hitachi Capital (Hong Kong) Ltd.

600,000

Hitachi Capital (UK) PLC

JPX 400

45 2017

1 2 3 4 5 6

7

8 9 10 11

12 NBL 13 14 15 16 Hitachi Capital(UK)PLC

105-0003 3 1 03-3503-2111 CEO 1957 32 9 10 99 83 UFJ 2 3,342 2016 5,337 2017 3

2017 3 31

30

500

130

10

300

50

100

6,200

80

1,000

10

10,000

3

50

50

110,668

100.00

100.00

100.00

100.00100.00

51.00

100.00

90.00

79.36

100.00

100.00

100.00

100.00

100.00

85.10

85.10

100.00

14,587 90 2016 10

22017 3 31

462017

ESG

Our V

alues

17 Hitachi Capital Polska Sp. z o.o.18 Noordlease Holding B.V.

19 Noordlease B.V.

20 Hitachi Capital America Corp.21 Hitachi Capital Canada Corp.22 CLE Canadian Leasing Enterprises Ltd.23 CLE Leasing Enterprise Ltd.24 Hitachi Capital (Hong Kong) Ltd.

25 Hitachi Capital Management(China)Ltd.26

27 28 Hitachi Capital Asia Pacific Pte.Ltd.29 Hitachi Capital(Thailand) Co.,Ltd.30 Hitachi Capital Malaysia Sdn.Bhd.31 PT. Arthaasia Finance

32 PT. Hitachi Capital Finance Indonesia

50

800

45

180,00025,000

10,126

2,750

310,000

175,000100,000

306,570126,400

100,000

15,000

116,500,000

100,000,000

90.00(90.00 )

96.7

100.00(100.00 )

100.00

100.00(100.00 )

100.00(100.00 )

100.00(100.00 )

100.00

100.00

90.00

100.00

100.00

100.00(100.00 )

75.00(75.00 )

84.98(84.98 )

70.00(70.00 )

46

2016 4 1Hitachi Capital Vehicle Solutions Ltd. 2016 4 1Hitachi Capital (UK) PLC Hitachi Capital Management (China) Ltd. 2016 6 16 PT. Arthaasia Finance 2016 16 100,000 116,500 2016 8 12 9 12 13 1

2016 10 3 CS HCIE Limited 2016 12 6 Hitachi Capital (UK) PLC 2016 12 28 10,668 110,668 UFJ 2017

2017 131 Noordlease Holding B.V. 100Noordlease B.V.

Hitachi Capital America Corp. 2017 2 28 48,000 180,000 2017 4 1CLE Canadian Leasing Enterprises Ltd. 2017 4 1 CLE Leasing Enterprise Ltd. CLE Capital Inc.

Hitachi Capital Asia Pacific Pte. Ltd. 2017 5 4 Hitachi Capital Malaysia Sdn. Bnd. 100% Hitachi Capital Malaysia Sdn. Bnd. 2017 5 19 15 65

32017 3 31

CMYK