{
  "report_rows": [
    {
      "kpi": "NII (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$16.20B vs. cons $16.03B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Sales & Trading ex-DVA (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$6.45B vs. cons $6.28B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1.18 vs. cons $1.128",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY 2026 NII Growth (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide ~'up 7-9%' vs. cons $64.78B (up ~6.7%)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY 2026 Operating Leverage (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide ~'>250bps' vs. cons 59.96% efficiency ratio",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Consumer Credit Tone (qualitative)",
      "prediction": "UNCHANGED",
      "answer": "Stable/benign; card NCO rate ~48-50bps",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 0.2,
  "day1_confidence": "LOW",
  "day5_residual_pct": -2.0,
  "day5_path": "FADE",
  "day5_rationale": "FADE \u2014 Archetype A / large pre-print run; modest FY NII raise digested; Q3 sell-side revisions small (~$150-200M); stock gives back portion of +6.3% pre-print outperformance over 5 days",
  "day5_confidence": "LOW"
}