#concal

[concalewip]

Hello, everyone! I'm new to writeblr, and my name in Con. (Obvs not my real name) I'm going to be writing a book, called Concale, which is also the name of the main character. This book is centered around three homeless kids, Concale, Alito and Catario. There will be more details under the cut.

Concale is the person that the book is told by, and one very interesting fact about them is they do not speak at all in the book. It's not that they're mute, them talking is referenced at points in the book, and it's very obvious that they have inside jokes with their friends, but inside the book they do not talk.

Concale

CON-cale

Description

Concale is fairly plain looking, with blond hair, brown eyes and pale skin. They have a tendency to wear big hoodies and trousers.

Alito is the (at some point not yet) partner of Concale. They use a cane for most of the book due to a leg injury in chapter one, and they can and will break kneecaps with it.

Alito

a-LEET-o

Description

Alito has brown hair, blue eyes and pale skin. They have a tendency to wear long black capes, (think Sherlock from the BBC show) and jeans.

Catario is often considered the mum friend, and they often do help Alito and Concale with their problems, which will probably become an arc, them learning they don't have to always be on standby for the other two.

Catario

caurt-AR-rio

Description

Catario has dark, poofy hair, brown eyes and brown skin. They have a tendency to wear hoodies, and skirts.

The world it's set in.

The world, called Tarithor, is a lush world, rife with forests and jungles, with plenty of fauna. It has several small islands, and the mainland, which is where it's set. Everyone has their own "tribe" which is generally where you were born. The reason for these separate "tribes" is the powers the gods gift select few individuals. The actual book is set in the light tribe, although all three are from other tribes, Concale, the life tribe, Alito, the dark tribe, and Catario, the chance tribe. Unfortunately, none of them have powers, and get by on being small and quiet.

Conclusion

Concale is currently still on its first draft, and honestly I don't entirely know if I'll ever finish it. That's why I made this blog! I hope that you guys will give me inspiration, ideas and peer pressure me into actually writing the book. So... Yeah!

[thewitheredking]

Logos lore from his Module 'A Pen Collection from Concallis'

[444names]

roman emperor, tolkienesque and french forenames + roman places and deities BUT excluding "i"

Adalf Adane Adanus Adette Adroth Aetor Agnus Alate Aldang Aldar Alemna Alemon Alenwë Alette Amrah Amrodda Anast Anbora Ancus Andel Andra Andred Androth Angeleb Annator Annon Annonum Antus Anáro Aphrod Apollus Aquaes Aracae Aracaen Arach Aragus Araharn Aranc Arancan Arata Arato Aravane Arazôn Ardanel Areth Arette Argestë Argetas Argette Argue Arles Arleth Arnar Aroma Artas Artha Arvedum Arvelyë Ascatar Ascate Astans Aules Auram Austus Bacca Baldar Balus Banna Barazôn Baugus Belebor Belegon Beles Belle Benor Beona Beorl Beracum Berence Berenée Beres Berna Berta Bolgero Bombul Brodel Caglas Caglor Calcar Calla Calmo Camed Cament Camuel Camula Caran Carazôn Carcel Carme Caros Castes Cates Catha Cator Celeg Celes Celle Celyne Celynea Celyë Cemeter Ceorn Cerea Clata Claud Claume Claur Claure Clotas Coelu Colas Coletor Comon Concal Concora Concorn Condela Consta Constan Constas Corum Cybello Daedalf Derna Deven Drastan Dylane Déago Ebona Ectho Ecthor Egaland Elander Elareth Elber Elendo Eleth Elfhel Elumer Emmanwë Eneldad Eorgel Eregorm Erenda Erylla Estans Estas Evert Eärenta Eärenus Eärené Eärenée Eärnus Faman Famanus Fannona Fanon Farahar Faunum Febrían Fenge Feronwë Ferra Ferula Florach Flore Forum Forus Franc Frandel Fëano Fëanon Gabalba Gaetas Galas Galda Galens Gantar Ganto Garwen Genel Geneta Gerent Gerette Gette Glander Glandre Glorach Glóred Golae Golane Gorba Gortona Gothéod Gratant Gratar Grato Hadoc Hadon Halba Haldog Haldor Halla Hallae Hanthor Helle Henator Henrva Heracum Hercel Hercus Herme Herucas Herum Herus Hestes Horon Jacque Jeanc Jeancan Jeanna Jessa Joanne Joceleg Jocetum Justes Justus Jutum Juven Juvenus Khamer Lactor Lagory Lalanta Laramna Laude Laume Laven Legund Leona Lette Lonna Lothéo Lucales Luent Lugduf Lugdus Léodwyn Madette Madoc Mador Maeda Magash Magast Magnès Magora Magund Mahtar Malanon Malas Malla Mallas Mamuel Mandrée Manos Mantona Manum Manus Mathel Matho Maura Meldë Menae Mendor Menette Mentas Menter Mohamen Mohamûl Monel Morges Mortune Mélan Nahael Narda Nathôn Necessa Nemes Neron Neros Nessor Nonum Océanel Océanes Olóred Orbag Ornen Ornovum Orodre Orona Orond Oronwë Ostanto Ostvera Palatar Palenwë Parcele Parcus Paulë Penae Perence Pereth Perette Pertus Perva Petella Peterre Phaesar Pollo Pollum Pompeda Porthur Portuna Portune Portus Porumor Posette Potent Quent Radanus Raphor Raymon Regon Regula Rence Robus Rogerme Rogeron Rogeros Rómence Sabeorl Sadoc Salmach Salmoth Sanck Sandel Sander Saradoc Sarus Satuta Secury Senoît Sephaël Sergel Sevent Shadoc Shagram Shelm Smaugus Smauhúr Sméagon Solas Solum Soros Sorsa Stred Stren Stéphan Summa Suzanna Taromë Taroth Tatan Teleb Tellane Telle Temnae Tempes Thena Thenrva Theodor Theophe Thorod Thoromë Thorond Thoros Thostor Thras Théod Tranc Trant Trebor Trebora Trenée Turna Turnus Vacum Vagna Vagnès Valad Valadûn Valas Valeth Vanne Vanny Vecthor Vector Venne Venua Verae Verna Verra Vertune Verula Verus Vette Volum Vorod Vulcar Vulturn Waldor Yandré Yanna Yanne Yanny Yavanus Yvonna Zenor Élodh Éomunda Éotha Éothéo Éverna Éverus

[finvedha]

TVS Motors Company Ltd : Concall Summary

TVS Motor Company reported strong growth for Q2 FY25, with revenue reaching ₹11,301.7 crore (up 13.8%) and net profit at ₹588.1 crore (up 41.4%). The company noted a significant increase in two-wheeler and three-wheeler sales, particularly in motorcycles and scooters, and a growing contribution from electric vehicle sales. TVS Credit also performed well, expanding its customer base and book size.…

[mydogass]

oh my god its fucking tuesday, fuck mad dog minday concalled

[edrupt1]

Lumax Industries Q3FY24: Illuminating the Road to Strong Capex-Led Growth

Sector Outlook – Positive

In the third quarter of FY24, Lumax Industries Ltd. (LIL) performed better than expected, with revenue reaching Rs. 640 crores, up 9% from the previous year. This growth was driven by the recovery in the two-wheeler segment and sustained demand from the passenger vehicle segment, especially SUVs. 

However, the EBITDA margin contracted to 9.22% due to the commissioning of a new plant in Pune and higher staff costs. Despite this, the company remains optimistic about revenue growth, particularly from the new Chakan plant and increased revenue share from key customers like Maruti Suzuki, Mahindra & Mahindra, and Tata Motors. 

LIL is also focusing on increasing its LED revenue share, which has grown from 25% to 35% over the last five years, with plans to further increase it to 50%.

Concall Highlights

The interim budget allocated Rs. 3,500 crore for promoting the EV industry, boosting hopes for its growth.

The two-wheeler segment is growing steadily, driven by rural demand, but commercial vehicles are struggling.

Challenges in the tractor segment persist due to delayed monsoons.

There is optimism for the passenger vehicle and two-wheeler sectors, with a strong outlook and increasing EV adoption.

LED lighting contributed 36% of total revenue, while conventional lighting made up 64%.

Front lighting accounted for 66% of total revenue, rear lighting 25%, and other products 9%.

The passenger vehicle segment contributed 67% to total revenues, two-wheelers 27%, and commercial vehicles 6%.

The Chakan plant in Maharashtra began producing automotive lighting in November 2023, focusing on new business from M&M and Tata Motors.

Revenue growth in Q3FY24 was limited (Rs. 20 crores) due to fewer working days, but Q4FY24 is expected to improve, targeting a monthly revenue of Rs. 30 crores.

Phase-1 of the plant is expected to reach 70-75% utilisation by the end of Q4FY24, with Phase-2 expansion starting soon for full commercialization by FY26.

The current order book is worth Rs. 2,200 crores, with 64% from new business and EVs accounting for 34% of this.

LED lighting orders make up 85%, with around 70% expected to start production in FY25, leading to significant revenue growth from FY26.

FY24 revenue guidance expects 15% growth (Rs. 2,600 crores) with margins exceeding 9.3-9.5%.

FY25E is poised for stronger double-digit growth, estimated at ~20%, with margins expected to reach at least 10%.

After Phase-1 and Phase-2 expansions at the Chakan plant, peak revenues are projected to reach Rs. 900 crores.

The expansion will increase capacity by 30%, leading to a 50% boost in revenue, with Phase-2 starting operations in Q3FY25.

Lumax secured orders for Maruti’s first EV model, expected by year-end, and is in talks for a potential second model in FY26.

Financially, capex for FY24 is expected to reach around Rs. 280 crores, with an ETR of 31% and net debt of Rs. 560 crores for the first nine months of FY24.

Valuation and Outlook

In the third quarter of FY24, Lumax Industries Ltd. showed impressive growth with a 9% increase in revenue compared to the previous year. This growth was mainly driven by higher sales in the 2W segment and steady demand in the PV segment, especially for SUVs. Looking forward, the company expects this positive trend to continue, supported by increased 2W sales, a rise in electric vehicle (EV) adoption, advancements in driving technology, and changing trends in automotive lighting design. 

The management anticipates significant industry expansion after the second half of FY25, despite possible capacity constraints. Operational efficiencies and better raw material consumption led to improved gross margins, with further enhancements expected as new plants become operational. Lumax is focusing on cost reduction measures like part localization and in-house manufacturing to boost margins. 

Phase 1 of the new plant is expected to be 70-75% utilized by Q4FY24, paving the way for Phase 2 expansion by Q3FY25. The company is also working on reclaiming lost market share and expanding its client base, especially in the EV segment. Lumax’s strong relationships with OEMs, coupled with its strategies for margin improvement and client diversification, are expected to drive significant revenue growth from FY25 onwards.

[eads]

The year prior to making this sketch for 'Oyster Gatherers of Concale,' (1877) Singer Sargent was exposed in impressionist shows to scenes of life rendered in cropped, asymmetrical work influenced by photography and used by Degas and others in order to capture a moment in time.

[alphst]

Broadcom Inc Q3 2023 Earnings Conference Call Insights

Key highlights from Broadcom Inc (AVGO) Q3 2023 Earnings Concall Management Update: [00:02:35] AVGO said Hyperscale continued to grow double-digits year-on-year, but enterprise and telcos spending moderated. Generative AI investments are driving the continued strength in hyperscale spending.   [00:03:45] AVGO said that without the benefit of generative AI revenue in 3Q, its semiconductor…

[frogbsd]

救命啊救命啊早起啊

美國下週一開始日光節約時間，美西跟印度之間輪班出現一個小時 Gap，由台灣在中間接力賽一小時，變成每天 8:30AM 到 9:00AM 要交接 concall，不開勳⋯⋯

[fuck-i-like-too-much-stuff]

Matt is the overthinker. Mick is the "lets fucking go", but not internally. For the first and the very few times in his life, Mick is yelling, hollering and screaming from his balcony while Phum and Beer mute the concall.

Okay but in MattMick's case, who's the one who goes home after their first kiss and immediately starts being all "Okay, so we kissed, no big deal. But does he want something serious with me, or was it a spur of the moment thing?" and who's going "LET'S FUCKING GOOOO" internally the whole time, I need to know for science.

[anilbhatia]

MANAGEMENT FROM HEART VC OVER CONCALLS We prefer "VC" over "CONCALLS" and "ONE-TO-ONE MEETINGS" over "VC" because humans talk more through expressions than words. Let us build great Organizations. AB-MFH (#managementfromheart) #management #leadership #leaders #entrepeneurs #entrepeneurship #managementfromheart #quotes #managementquotes #motivation #inspiration #coaching #team #mindset #leadershipdevelopment #leadershipskills #managementskills #managementdevelopment #peoplemanagement #leadershipqualities #managementstyle #success #teamwork #happiness #mindfulness #employeeengagement #culture #performance #communication #business https://www.instagram.com/p/Cl_gDe-vazO/?igshid=NGJjMDIxMWI=

[corretoresunidoseassociados]

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A post shared by Jorge Araujo Imóveis (@jorgearaujoimoveis)

Conde de Firenze, Leblon, RJ. Um residencial sofisticado e exclusivo. O edifício assinado fica na charmosa Rua Humberto de Campos. No video a cobertura duplex que une contemporaneidade e aconchego com a ambientação de uma casa. Conheça mais! Entre em contato com o nosso comercial! (21) 98296 - 8909 #concal50anos #concal #grupoconcal #concalrio #condedifirenze #arquitetura #architecture #design #arquiteturaeurbanismo #instagood #rj #architecturelovers #leblon #archilovers #architecture_view #cobertura #duplex #architecturephotography #engenharia #errejota #arquiteturacarioca #urbanismo #empreendimentos #projetos #imoveis #construtora (em Leblon, Rio De Janeiro, Brazil) https://www.instagram.com/p/CEpyqV_jrdF/?igshid=13xgq18cr4u62

[earthstory]

Original caption:

Small Time-lapse prepared exclusively for the HIPA 2018 contest "The Moment". The images are from Navarre, specifically from Aralar, and the valleys of Zaraitzu / Salazar and Erronkari / Roncal. Winner of the fifth prize in the Time-Lapse category. tejerinafotografia.com

[concalewip]

That's the last thing I sense before I pass out.

Chapter 1, Draft 1, Concale.

Idk @cookie-block Ik you don't write but you do have WIPs.

Last Sentence Tag Game: Write the latest line from your wip (or post where you last left off in your art) and tag as many people as there are words in the line.

Thank you @khorazir, @the-reading-lemon, and @discordantwords for forcing me to open my WIP for the first time in 3 weeks tagging me!

Last line of the current, as-yet-to-be-titled WIP:

He tried Sherlock again as he ran. It went to voicemail. John cursed. He kept running.

I am very bad at the tagging, so I tag anyone who wants to play along!

[edrupt1]

ICICI Bank –  Record-breaking growth in digital and payments platform

ICICI Bank –  Record-breaking growth in digital and payments platform

Suggested Title: 

ICICI Bank Q3 Results: Net interest income grew by 13.4%

Sector Outlook – Positive

In Q3FY24, ICICI Bank showed solid performance with its Net Interest Income reaching Rs. 18,679 crores, a 13.4% increase compared to last year. 

Its operating profit before provisions also rose by 10.9% to Rs. 14,724 crores. However, the bank had to set aside more money for potential losses (provisions), which jumped to Rs. 1,049 crores due to new regulatory requirements for investments in alternative funds. 

Despite this, the bank’s profit for the quarter still managed a 23.6% year-over-year increase, reaching Rs. 10,272 crores. Its interest margin slightly declined, and the ratio of bad loans (Gross NPA) improved, indicating better loan quality. 

One major expense was a one-time payment for retirement benefits. The bank’s total deposits grew by 18.7% to Rs. 13,32,315 crores, and loans increased by 18.5% to Rs. 11,53,771 crores, showing strong growth especially in business banking and SME sectors. However, the proportion of low-cost deposits (CASA) decreased compared to last year.

Key Concall Highlights

ICICI Bank’s goal is to increase profits before taxes, focusing on customer needs across different sectors.

Personal loan growth was slower in Q3FY24 due to higher loan pricing, tighter lending criteria, and reduced sourcing costs.

New defaults occurred in retail, rural, and business banking, but didn’t significantly impact total bad loans thanks to improvements in corporate and SME loans.

Profit margins from lending (NIM) faced pressure but were balanced by additional income from tax refunds.

Non-interest income, including dividends from ICICI Securities and other investments, showed significant annual growth.

Operating expenses rose due to increased sales and marketing activities during the festive season.

The bank aims to maintain profit margins at FY23 levels, anticipating a slight decrease in NIM in Q4FY24.

Changes in term deposit rates are expected to impact profits in Q4FY24 and Q1FY25.

Management has implemented stricter measures for unsecured loans, such as increasing prices, rationalising sourcing costs, and tightening lending standards.

Valuation and Outlook

ICICI Bank, one of India’s major private banks, had a strong performance in the third quarter of the fiscal year 2024. Despite some challenges with profit margins from lending (NIM), the bank did well due to its fee income, beating profit expectations. The bank managed to reduce its provisions for bad loans thanks to fewer new defaults and a good approach to risk. A key achievement was attracting over one crore customers from other banks using its digital platform, iMobile Pay. The bank has been focusing more on attracting deposits lately. While its loan quality looks stable for now, there might be some concerns about potential loan defaults in the future, but the bank’s strong lending history suggests this won’t be a major problem. ICICI Bank’s strategy includes expanding its services in rural areas and using its large network of branches and ATMs for more product sales, which should keep its profits high. With a Return on Assets (RoA) within the expected range, the bank is positioned for double-digit growth. In case of any pressure on revenue, the bank might reduce its operational expenses to maintain profitability, but this could mean losing some market share due to stiff competition in the banking sector.

[alter-koker]

was chekov ever in tas??? i feel like i have memories of him being there for like 3 episodes and then he just zoinked out forever