{
  "report_rows": [
    {
      "kpi": "NII (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1,630M vs. cons $1,613M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Capital Markets Fees (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$155M vs. cons $147M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "NCO Ratio (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~0.355% vs. cons 0.370%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "NIM Trajectory (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide reaffirm 3.22-3.28% 4Q26 cone vs. feared stall",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY 2026 NII (full year)",
      "prediction": "UNCHANGED",
      "answer": "guide reaffirm +10-12% YoY vs. implied ~$6.3B cons",
      "confidence": "HIGH"
    },
    {
      "kpi": "Q3 2026 NII",
      "prediction": "UNKNOWN",
      "answer": "guide ~+2-3% QoQ vs. cons UNVERIFIED",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 1.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.0,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 beat absorbed day-1, modest upward revision drift over 5 days as sell-side models NII beat and NIM progress into H2; no implicit cut in out-period math limits downside pressure",
  "day5_confidence": "MEDIUM"
}