{
  "report_rows": [
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1,800M vs. cons $1,780M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total Noninterest Income / Fees (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$710M vs. cons $681M",
      "confidence": "HIGH"
    },
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$4.85 vs. cons $4.68",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY 2026 NII (full year)",
      "prediction": "BETTER",
      "answer": "guide ~$7.325B midpoint vs. cons $7,174M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY 2026 Fee Income (full year)",
      "prediction": "BETTER",
      "answer": "guide ~$2.85B midpoint vs. cons $2,785M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "CRE Loan Growth (qualitative)",
      "prediction": "BETTER",
      "answer": "confirm Q2 net CRE growth on avg basis vs. prior bottom-half NII trajectory",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "NIM Trajectory (qualitative)",
      "prediction": "BETTER",
      "answer": "guide to mid-to-high 3.70s exiting 2026 vs. cons 3.68%",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 2.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 sell-side NII estimate upgrades sustain the move as Q3/Q4 NII estimates are revised up",
  "day5_confidence": "MEDIUM"
}