{
  "report_rows": [
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$4.13B vs. cons $4.092B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total Noninterest Income / Fee (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$2.50B vs. cons $2.455B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net Interest Margin (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~3.01% vs. cons 2.990%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 NII (full year)",
      "prediction": "BETTER",
      "answer": "guide ~$16.60B vs. cons $16.539B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "NIM trajectory (qualitative, FY2026)",
      "prediction": "BETTER",
      "answer": "guide 'crossed 3% in Q2, expanding further in H2' vs. cons 'above 3% in 2H'",
      "confidence": "HIGH"
    },
    {
      "kpi": "Q3 2026 NII",
      "prediction": "UNCHANGED",
      "answer": "guide ~$4.20-4.25B vs. cons ~$4.22B implied",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Capital return / Basel III (qualitative)",
      "prediction": "BETTER",
      "answer": "guide 'Basel tracking better than 10% RWA relief; buybacks to accelerate'",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 1.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 FY NII raise and NIM milestone pull-forward drive estimate revisions upward; initial profit-taking on day 1-2 then stabilizes and follows through",
  "day5_confidence": "MEDIUM"
}