In the Q2 FY24 conference call, Hero Moto Corp provided insights into its performance and strategic initiatives, highlighting key observations and future plans in a dynamic market.
Healthy Margin Expansion: Hero Moto Corp reported a positive trend in margin expansion, underscoring the company’s adept handling of cost dynamics and operational efficiency.
Focus on Premium Portfolio: A strategic shift was noted as Hero Moto Corp intensified its focus on the premium segment of its product portfolio. The launch of Harley bikes across 100 stores in India reflects the company’s commitment to capturing a larger share of the premium market.
Rural Economy Resurgence and Entry-Level Bikes: The company acknowledged the positive performance of entry-level bikes, attributing their success to the robust comeback of the rural economy. This resurgence is particularly significant given the challenges faced by entry-level bikes in the preceding 3-4 years.
Industry Challenges and Recovery: Hero Moto Corp discussed the challenges faced by the 2-wheeler industry, especially in absorbing rising price hikes, leading to margin impacts. However, there is an optimistic outlook as the industry moves towards normalization.
Premium Segment Growth and Volume Projections: The premium segment is experiencing robust growth, outpacing the entry-level stages. Hero Moto Corp anticipates volume growth, particularly with the onset of the festive period and marriage seasons in H2 FY24.
Success in 125cc Bikes: The 125cc bike category has proven to be a success for Hero, reflecting changing consumer preferences and the company’s adaptability to market demands.
Rural Economy Influence: Hero Moto Corp emphasized its historical success when the rural economy experiences an upswing. This connection underscores the brand’s resonance in rural markets and the strategic importance of aligning with rural economic trends.
Scooter Market Dynamics and Catching Up: Acknowledging a lag in the scooter segment, Hero Moto Corp is actively pursuing strategies to close the gap, particularly in the competitive 125cc scooter category. The focus on catching up, exemplified by efforts to compete with models like Destiny Prime, illustrates the company’s commitment to diversification and meeting evolving market demands.
In conclusion, Hero Moto Corp’s Q2 FY24 conference call provides a comprehensive view of its market positioning and strategic responses. The company’s focus on premium offerings, resilience in the rural market, and efforts to address challenges in the scooter segment highlight a proactive approach to staying competitive in the dynamic 2-wheeler industry.
In the recent Q2 FY24 conference call, LIC Housing Finance provided insights into its performance and strategic outlook, revealing both achievements and challenges.
Loan Portfolio and Disbursals: LIC Housing Finance reported a 6% YoY growth in its loan book, reaching Rs 2.7 lakh crores, with individual home loans constituting a dominant 84% of the total portfolio. However, disbursals witnessed a decline on a YoY basis.
Tech Ramp-Up and Growth Expectations: The company expressed optimism about the loan book’s future growth trajectory, citing the completion of a tech ramp-up that is expected to facilitate a higher pace of expansion in the coming quarters.
Asset Quality Improvement: Noteworthy improvement was observed in asset quality, as Gross Non-Performing Assets (GNPA) reduced from 4.9% to 4.3% YoY. The management expressed confidence in further enhancing asset quality by working closely with delinquent customers and emphasizing significant efforts towards recoveries.
Guidance for FY24 and PCR Status: LIC Housing Finance provided guidance to grow the loan book by 10-12% YoY in FY24. Despite this, the Provision Coverage Ratio (PCR) currently stands below the RBI mandate of 50%.
Net Interest Margins (NIMs) and Sustainability: The company acknowledged that the NIMs, which currently stand above 3%, may not be sustainable at this level. The management expects NIMs to stabilize around 2.6-2.8% in the coming quarters, reflecting a realistic view on the interest rate environment.
Industry Position and Perceptions: The Home Loan (HL) book’s growth, growing at a slower pace than the industry, has attracted criticism from the analyst community, accusing the company of operating in a manner akin to a government entity. This perception raises questions about the company’s agility and competitiveness in a dynamic market.
H2 Expectations and Festive Season Boost: Despite challenges, the management expressed hopes for a better H2, buoyed by expectations associated with the incoming festive season, a traditionally active period for the housing finance sector.
In conclusion, LIC Housing Finance’s Q2 FY24 conference call provides a nuanced view of its position in the market. While grappling with challenges like slower HL book growth and NIM sustainability, the company is proactively addressing asset quality concerns and gearing up for future growth, especially with the completion of technology enhancements. The guidance for FY24 reflects a commitment to expanding the loan book, and the management’s optimism for a better H2 suggests a proactive stance towards navigating market dynamics.
In a recent conference call, Karnataka Bank unveiled key highlights that shed light on its financial performance and strategic initiatives in Q2 FY24.
Capital Augmentation: The company kickstarted the quarter by successfully raising capital through preferential allotment, showcasing a proactive approach to bolstering its financial strength.
Financial Performance: While the Quarter-on-Quarter (QOQ) Profit After Tax (PAT) witnessed a decline due to treasury depreciation, Karnataka Bank reported a robust 9% Year-on-Year (YOY) growth in advances, reaching Rs 66,000 crores. Deposits also saw a healthy uptick, rising by 10% YOY in Q2.
Asset Quality Management: The bank showcased commendable control over slippages, and Non-Net Performing Assets (NNPA) witnessed a favorable decline on a YOY basis, reflecting a prudent approach to asset quality management.
Financial Metrics: Key financial metrics reflected a solid performance, with Return on Equity (ROE) standing at 16% and Return on Assets (ROA) at 1.3%, underscoring the bank’s efficient utilization of resources.
Strategic Focus on Retail Liabilities: A noteworthy strategic shift was observed in Karnataka Bank’s emphasis on retail liabilities. The bank has invested in strengthening its sales team with a keen eye on becoming a pan-India player. The sales team’s focus will be directed towards fostering growth in both retail and agricultural segments of the bank’s portfolio.
Fnuture Growth Projections: The bank anticipates maintaining a steady pace of around 10% growth in its loan book in the forthcoming quarters. This growth trajectory aligns with the bank’s commitment to sustained expansion.
New Management Initiatives: Under new leadership, Karnataka Bank is poised to make strategic changes. The bank is exploring opportunities to expand the unsecured part of its portfolio, enhance the sales force, establish a broader geographical presence by opening branches outside Karnataka, and leverage digital technologies for more efficient operations.
Rebranding Efforts: Notably, there is a visible shift in Karnataka Bank’s aspirations as it seeks to shed its regional image. The strategic vision involves positioning the bank as more than just a regional player, reflecting ambitions for a broader national footprint.
In summary, Karnataka Bank’s Q2 FY24 conference call highlights its resilience in the face of market challenges, strategic moves to diversify its portfolio, and an ambitious vision to transcend regional boundaries. As the bank charts its course for the future, these strategic initiatives signal a commitment to sustainable growth and a broader market presence.
In a recent conference call, Yatharth Hospital and Trauma Care unfolded a compelling narrative of financial strength and strategic foresight, showcasing a remarkable 37% YoY increase in sales and an impressive 70% YoY growth in Profit After Tax (PAT) during Q2 FY24. These robust financial indicators were underpinned by the success of the company’s Initial Public Offering (IPO), marking a pivotal transformation into a net debt-free entity and providing a solid foundation for future strategic endeavors.
Infrastructure Advancements: The hospital’s commitment to advanced healthcare infrastructure was evident with the arrival of Radiation and Oncology machines at Noida Extension, slated for commissioning in January 2024. Additionally, the anticipation surrounding the imminent deployment of robotic equipment in the next quarter underscores the hospital’s dedication to providing cutting-edge medical services.
Strategic CAPEX Initiatives: Yatharth Hospital and Trauma Care are actively engaged in strategic capital expenditure initiatives, eyeing a substantial expansion in bed capacity over the next 3-4 years. This ambitious plan, supported by a significant investment of 800 crores, involves a judicious mix of brown and greenfield expansions. The acquisition of adjacent land near the Greater Noida hospital, strategically positioned in proximity to the Jewar airport, aims to increase bed capacity from 400 to 600 beds. Moreover, progress in Jhansi involves navigating final approvals from key Public Sector Undertakings (PSUs), such as BHEL and Railways, with plans to acquire a hospital of 150-250 beds by year-end in the strategically significant regions of UP/MP/Delhi-NCR.
Financial Dynamics: While the financials portray strength, it’s crucial to dissect certain nuances. The increase in the Cost of Goods Sold (COGS), attributed to the surge in oncology treatments requiring high-end drugs, raises considerations about future cost escalations with the expansion of super-specialty treatments. The uptick in receivables, stemming from the government’s shift in payment mode from UPI to NHS, poses a temporary challenge that the hospital anticipates resolving in the coming quarters.
Payer Mix Strategies: Understanding the hospital’s payer mix dynamics reveals a nuanced approach. Average Revenue Per Occupied Bed (ARPOB) figures indicate differentials, with a 10-15% lower value for insurance compared to cash, and government patient ARPOB being 10-15% less than insurance. The highest payer mix, around 37%, hails from the government, not due to compulsion or subsidies but as a strategic decision by the hospital. Categorizing government business into CGHS, ECHS, and ESI, the hospital maintains a substantial presence in regions like Greater Noida, adjacent to one of Asia’s largest ECHS societies.
Operational Insights: Operational challenges and successes provide context. A surge in occupancy during the quarter, driven by an increase in dengue patients in the Delhi NCR region, underscores the hospital’s responsiveness to regional healthcare needs.
Future Outlook: Looking forward, Yatharth Hospital and Trauma Care exercise caution by refraining from providing forward-looking guidance for H2/FY25. However, they express optimism in expecting a continual increase in topline and occupancy on a QOQ basis. Margins are anticipated to improve from the current 26%, aligning with a strategic focus on specialty segments, with a projected Q4 occupancy of 60%.
In conclusion, Yatharth Hospital and Trauma Care’s Q2 FY24 performance not only paints a picture of financial resilience but also reflects a meticulous strategy in infrastructure development and expansion. Analyzing the intricacies of financial dynamics and strategic decisions provides a nuanced perspective, positioning the company for sustained growth in the dynamic landscape of healthcare services.
In the recent SBI Cards Q2 FY24 conference call, several key insights emerged, shedding light on the company’s performance and challenges within the credit card and personal loan space.
Market Share and Industry Dynamics: SBI Cards currently holds a substantial market share of 19%, making it a notable player in the industry. However, industry data from credit bureaus reveals a concerning trend of deteriorating delinquencies in both credit cards and personal loans.
Spending Trends Across Segments: Despite challenges, the company reported strong Point of Sale (PoS) and online spends across various segments, including Jewellery, Travel, Restaurants, Health, and Utilities. Notably, PoS spends in offline categories such as Jewellery, Apparel, Consumer Durables, furnishing, and hardware have shown a significant uptick, indicating resilient consumer activity.
Credit Costs and Unsecured Loans: The credit cost stands at 6.7%, and industry data highlights stress in unsecured loans. While there is no specific cohort exhibiting stress, the company is placing a heightened focus on collections. Some customers are reportedly facing financial stress, leading to difficulties in repayment.
Receivables Growth and Future Expectations: The growth in receivables has witnessed a year-on-year decline in Q2. This is attributed to the absence of the festive period in the Q2 of this fiscal year compared to the same period in the last fiscal year. However, on a quarter-on-quarter basis, the credit cost has slightly decreased (6.7% vs. 6.8% QOQ). Despite these challenges, the company remains optimistic, stating that it does not perceive the current scenario as a runaway situation. SBI Cards anticipates improved book behavior with lower delinquencies in the future.
Conclusion: In navigating the complexities of the credit market, SBI Cards appears resilient, adapting strategies to address challenges while maintaining a focus on collections. The company’s optimism for improved future performance suggests a proactive approach to managing credit risks in the evolving financial landscape.
Dead cat bounce: A brief recovery in the price of a declining stock or bear market, followed by a resumed downtrend.
In finance, a dead cat bounce is a small, brief recovery in the price of a declining stock. Derived from the idea that “even a dead cat will bounce if it falls from a great height”, the phrase is also popularly applied to any case where a subject experiences a brief resurgence during or following a severe decline.
RateGain is a company that provides technology solutions for the travel and hospitality industry. They offer a range of products and services aimed at helping businesses in the travel and hospitality sector optimize their revenue and distribution strategies. RateGain’s solutions often focus on areas such as revenue management, price optimization, channel management, and digital marketing for hotels, airlines, car rental companies, and other related businesses.
Some of the key offerings from RateGain include:
Revenue Management: RateGain provides tools and platforms that help businesses analyze market trends, demand patterns, and competitor pricing to optimize their own pricing strategies. This can involve dynamic pricing, forecasting, and demand analysis.
Channel Management: This involves managing distribution channels effectively, including online travel agencies (OTAs), global distribution systems (GDS), and direct booking channels. RateGain’s solutions can help businesses streamline their distribution efforts and ensure consistent pricing across various channels.
Online Reputation Management: RateGain offers tools to monitor and manage a business’s online reputation, including guest reviews and ratings. This helps businesses understand customer sentiment and make improvements based on feedback.
Competitor Intelligence: RateGain’s solutions can provide insights into competitors’ pricing, availability, and strategies. This information can be crucial for making informed decisions in a competitive market.
Digital Marketing: RateGain’s digital marketing tools can assist businesses in creating and executing effective marketing campaigns to target specific customer segments and drive bookings.
Data Analytics and Insights: By analyzing data from various sources, RateGain provides businesses with actionable insights that can help them make informed decisions about pricing, distribution, and marketing strategies.
RateGain’s solutions are designed to help travel and hospitality businesses navigate the complexities of the industry and make data-driven decisions to improve their revenue and profitability. Keep in mind that my knowledge is based on information available up until September 2021, and there may have been developments or changes since then.
This ultimate prompter will make you super efficient when it comes to writing prompt for creating images using AI applications.
Prompt: can be copy and pasted directly into chatGPT.
An AI designed to generate artistic image prompts that can be used by a diffusion model to generate high-quality images. Appendix { 3D Modelling Software | 3D Printing Art | Acrylic | Acrylic Pouring | Action | Aerography | Afrofuturism | Age | Album Cover | American Folk Art | Anamorphic Art | Anatomy | Angle | Animation Art | Animation Software | Animation Studio | Animation Style | Aperture | Aquatint | Architect | Architectural Era | Architectural Style | Art Community | Art Exhibition | Art Gallery | Article of Clothing | Artist | Artistic Genre | Art Nouveau | Art Theory | Art Therapy | ASCII Art | Asemic Writing | Assemblage | Atompunk | Author | Automatism | Background | Bas Relief | Batik | Bead Art | Beadwork | Benday dots | Beverage | Bird | Blackwork Embroidery | Blur | Body Art | Body of Water | Border | Boro | Brand | Brushwork | Brutalist | Byzantine Art | Byzantine Mosaic | Calligraphy | Camaïeu | Camera | Camera Accessory | Carpet Page | Cartoon | Celebrity | Celestial Body | Celestial Event | Cel Shading | Celtic Art | Celtic Knotwork | Chalk | Charcoal | Children’s Book | Cibachrome | Cinematic | Cinematographer | City | Clay Art | Cloisonné | CNC Art | Collage | Collagraph | Color | Color Balance | Colored Pencil | Color Palette | Color Space | Comic | Composition | Computer Art | Contrast | Country | Crayon Drawing | Creative Process | Cross-stitch | Cubomania | Cultural Tradition | Cybernetic | Cyberpunk | Dadaism | Decalcomania | Decollage | Decoupage | Depth of Field | Designer | Design Software | Dessert | Dieselpunk | Digital | Digital Artist | Diorama | Direct Carving | Director | Distortion | Divisionism | Doodle | Drawing | Drip | Drybrush | Drypoint | Duochrome | Ebru | Eco Art | Effect | Electronic | Embossing | Embroidery | Emotion | Encaustic | Endangered Species | Ephemeral Art | Etching | Exercise | Exposure | Expression | Extinct Species | Fairytale | Fan Art | Fantasy Art | Fantasy Species | Fashion Designer | Fashion Era | Fashion Style | Felt | Fictional Character | Field of View | Film Genre | Filter | Fish | Flora | Focal Length | Focus | Foil Imaging | Folklore | Fractal | Fresco | Frottage | Fruit | Furniture | Futurism | Futuristic | Game Developer | Game Engine | Game Studio | Gender | Generative Art | Geometric | Giclée | Glare | Glassblowing | Glitch Art | Gold Leaf Art | Gothic | Gouache | Gradient | Graffiti | Grain | Grattage | Grisaille | Grotesque Art | Hairstyle | Hairstyle | Hard-edge | Hardboard | High Quality | High Relief | Historical Event | Historical Figure | Holograph | Household Item | Humidity | Hypergraphy | Ice | Ideology | Ikebana | Illuminated Manuscript | Illumination | Image Editing Software | Impasto | Ingredient | Ink Wash| Inlay | Insect | Instrument | Intaglio | Interactive Art | ISO | Japanese Woodcut | Jewelry | Junk Art | Juxtaposition | Kinetic | Kintsugi | Kirigami | Kite Art | Knolling | Land Art | Landmark | Landscape | Laser Cut Art | Layered Paper | LED Art | Legend | Lenticular Art | Lettrism | Light Art | Lighting | Lineart | Lineless | Linocut | Literary Genre | Literary Movement | Literary Work | Lithophanes | Litograph | Lofi | Lowbrow Art | Low Poly | Macaroni Art | Macrame | Magazine | Makeup Product | Mandalas | Manga Panel | Mannerism | Marginalia | Marine Animal | Marquetry | Massurrealism | Matchstick Art | Material | Medieval | Medium | Metalsmithing | Mezzotint | Micrography | Micro Miniature Art | Microscopy Art | Miniature | Minimalistic | Mixed Media | Model | Monochromatic | Monochrome | Monotype | Monument | Mood | Mosaic | Mosaicism | Mural | Musical Genre | Musical Instrument | Musician | Myth | Naive Art | Narrative Trope | Natural Landscape | Neon Art | New Media Art | Noir | Occupation | Oil | Op Art | Organic | Orientation | Origami | Orphism | Outsider Art | Painting | Panorama | Paper | Papercutting | Paper Mosaic | Papier-mâché | Pastel | Pattern | Pen and Ink | Pencil | Performance Art | Person | Perspective | Pet | Philosophical Idea | Philosophical School | Photocollage | Photograph | Photogravure | Photomontage | Photorealistic | Physical Trait | Pinstriping | Pixel Art | Place | Plant | Plaster Casting | Plein Air | Pointillism | Political Figure | Polychrome | Pop Art | Portrait | Pose | Position | Postmodernism | Pottery | Primitive Art | Primitivism | Printmaking | Prismacolor | Psychedelic Art | Pyrography | Pâte | Quantity | Quilling | Quilt | Raku | Rayonism | Realistic | Reflectivity | Refractivity | Relief | Repetition | Reptile | Resin Art | Reverse Glass | Room | Runway Look | Rural Landscape | Sand Art | Sashiko | Saturation | Scale | Sci-Fi Art | Scientific Field | Scientific Theory | Scrapbooking | Scratchboard Art | Screen Print | Sculpture | Scumbling | Season | Sfumato | Sgraffito | Shadow | Shadow Art | Shape | Shodo | Shutter Speed | Silhouette | Silkscreen | Sketch | Social Media Platform | Spackle Art | Spirograph | Stained Glass | State of Matter | Steampunk | Stencil | Stoneware | Storyboard | Streaming Platform | Street Art | Structure | Stylized | Sumi-e | Superflat | Synthetism | Tangram | Tape Art | Tapestry | Tattoo | Temperature | Tenebrism | Terracotta | Tessellation | Textile Art | Texture | Theme | Theory | Tiki Art | Time Of Day | Time Period | Tool | Toy | Toyism | Transparency | Trend | Trompe-l’œil | Typography | UI Element | Urban Landscape | Vaporwave | Vector Art | Vegetable | Vegetation | Verism | Vibrance | Victorian | Video Editing Software | Video Game Art | Watercolor | Weapon | Weather | Weather Phenomena | Web Design | Whitework Embroidery | Wildlife | Woodblock Print | Yarn Bombing | Zentangle Art } Vision { addAspectRatio (Prompt) { Add an aspect ratio to prompt that fit its composition and visuals |> format(–ar %aspect ratio) Constraints { Must be 2 whole number integers, for example: –ar 3:5 } } refine (Components, Context?) { Refined_Components = Replace each component with a nuanced application, instance, nomenclature, terminology, or jargon associated with it. // If context is provided, use it to guide the refinement. Return(Refined_Components) Constraints { Must refine every component. Refinemtns must incorporate the context. } } craft (Length=10, Alternates=2, Context=random) { Use default values for length, alternates, and context if not provided. Log(**Crafting Vision…** \n *# of Components: %Length – # of Alternates: %Alternates – Context: %Context*) Base = pick(%Length components from appendix) |> Log(**Base**: %Base) Prompt = refine(Base, Context) |> addAspectRatio |> Log(**Prompt**: %Prompt) Alts = for i..%Alternates { refine(Prompt, Random Context) |> addAspectRatio |> Log(**Alternate %i**: %Alternate) } Constraints { Base must be a heirarchy of components, for example: if prompt is about a person, describe their physical appearance, then their clothes, then their pose, etc. All steps must be guided by the context. Base components should be from the appendix, but new ones can be created if applicable, especially to assist the user in capturing their context. Prompt and alts must have the same number of components. Use example usage as a guide for each step, but be unique. } } Constraints { Only respond with the output of executed commands. } /aar | addAspectRatio [Prompt] /r | refine [Components] /c | craft [Length] [Alternates] [Context] } ## Example Usage /craft 17 2 picture of a president using a camera lens **Crafting Vision…** *# of Components: 17 – # of Alternates: 2 – Context: picture of a president using a camera lens* **Base**: 1. Medium, 2. Historical Figure, 3. Age, 4. Realistic, 5. Brand, 6. Article of Clothing, 7. Color Palette, 8. Fashion Style, 9. Texture, 10. Background, 11. Physical Trait, 12. Pose, 13. Position, 14. Room , 15. Depth of Field, 16. Camera Accessory, 17. Artist — **Prompt**: Photograph, Abraham Lincoln, Youthful, Hyperrealistic, Ralph Lauren, Monk Robe, American Flag Colors, Schoolcore, Clear Glass Canvas, Slim Figure, Modelling Gracefully, Inside, Photography Studio, Extreme Shallow Depth Perspective, SP70-200mm F/2.8 G2 Telephoto Lens, Steve McCurry –ar 5:2 **Alternate 1**: Hyperrealism, Socrates, Teenage, Extremely Realistic, Gucci, Baggy Overalls, Pastel Bumblebee Colors, 90s Fashion, Open Curtain Backround, Muscular Biceps, Handsomely Flexing, Outside, School Auditorium, Full-body Shot, 50mm F/1.8 Prime Lens, Ellen von Unwerth –ar 4:3 **Alternate 2**: Digital Realism, Napolean, Infantized, Photorealistic, Lululemon, Sporty Dress, Rainbow Pride Palette, Cottagecore, Crib Fence Backdrop, Giant Feet, Sitting, On Blanket, Children’s Hospital, Hyperfocal Depth, 24-70mm Standard Lens, Ron Mueck –ar 16:9 ## Input /craft 15 3 cool furniture
ChatGPT prompt for Game of Thrones series set up in Indian context:
Crafting Vision… # of Components: 15 – # of Alternates: 3 – Context: Game of Thrones characters in Indian style
Prompt: Daenerys Targaryen, Holi Festival, Traditional Sari, Elaborate Braid with Flowers, Royal Sitting Pose, Palace Courtyard, Intricate Mehndi Designs, Vibrant and Rich Palette, Statement Necklace and Earrings, Decorative Sword, Exquisite Tapestry, Rajasthani Palace Setting, Festive Atmosphere, Fantasy Art, Indian Miniature Style –ar 4:3
Alternate 1: Jon Snow, Diwali Celebration, Sherwani with Embroidery, Messy Bun with Turban, Heroic Stance with Sword, Historic Fort Background, Gold and Maroon Palette, Ornate Nose Ring and Cuff Bracelet, Battle Axe, Intricate Rangoli Design, Mughal Palace Setting, Majestic Atmosphere, Mythological Art, Tanjore Painting Style –ar 16:9
Alternate 2: Cersei Lannister, Navaratri Festival, Lehenga Choli with Cape, Elaborate Updo with Gajra, Regal Seated Pose, Temple Interior Background, Gold and Green Palette, Kundan and Polki Jewelry Set, Intricately Carved Dagger, Intricate Rangoli Design, South Indian Temple Setting, Enchanting Atmosphere, Traditional Art, Madhubani Painting Style –ar 3:2
Alternate 3: Tyrion Lannister, Holi Festival, Kurta Pajama with Nehru Jacket, Messy Hair with Colored Powders, Cheerful Dancing Pose, Colorful Street Market Background, Playful Holi Colors Palette, Beaded Necklace and Bracelets, Decorative Dagger, Colorful Balloons and Streamers, Vibrant City Setting, Joyful Atmosphere, Contemporary Art, Street Art Style –ar 1:1
