{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.15 vs. cons $1.12",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income (FTE)",
      "prediction": "IN-LINE",
      "answer": "pred ~$16.18B vs. cons $16.10B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Sales and trading revenue",
      "prediction": "BEAT",
      "answer": "pred ~$6.22B vs. cons $6.15B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income growth",
      "prediction": "BETTER",
      "answer": "guide ~8.0% vs. cons 7.5% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BETTER",
      "answer": "guide ~$16.45B vs. cons $16.35B (3Q26)",
      "confidence": "LOW"
    },
    {
      "kpi": "Operating leverage",
      "prediction": "BETTER",
      "answer": "guide ~300 bps vs. cons 250 bps (FY2026)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 1.3,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.1,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "The predicted FY2026 NII-growth midpoint of ~8.0% vs. consensus 7.5% should lift out-period EPS estimates; therefore, the 5-day residual reaches +2.1% vs. +1.3% on day 1 rather than fading after the reported beat.",
  "day5_confidence": "MEDIUM"
}