{
  "report_rows": [
    {
      "kpi": "NII (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$1,278M vs. cons $1,275M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "NIM FTE (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~3.68% vs. cons 3.66%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adj. Fee Income (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$650M vs. cons $646M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY 2026 NII (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide '2.5-4% growth' reiterated vs. cons $5,149M",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY 2026 Adj. Fee Income (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide '3-5% growth' reiterated vs. cons $2,644M",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY 2026 NCOs (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide '40-50 bps' reiterated; tone toward lower end vs. cons 0.47%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q3 2026 NII direction (Q3 2026)",
      "prediction": "UNCHANGED",
      "answer": "continued expansion guided vs. implied ~$1,295M",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": -1.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -0.5,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 initial sell-off on beat + reiterate into elevated stock; partial recovery as H2 NII math is digested and no negative surprises emerge",
  "day5_confidence": "MEDIUM"
}