{
  "report_rows": [
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1.10 vs. cons $1.077",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$3.66B vs. cons $3.640B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Noninterest Income - Operating (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1.58B vs. cons $1.543B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY 2026 NII (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide reaffirm ~+2-3% vs. cons $14.729B",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY 2026 Fee Income (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide tracking toward high end of high single-digit vs. cons $6.340B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY 2026 Expenses (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide reaffirm ~+1.75% GAAP vs. cons $12.263B",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY 2026 NCO Rate (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide reaffirm ~55 bps vs. cons ~55 bps",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 2.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 3.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 sell-side revises FY EPS up on fee beat and lower tax rate; NIM expansion narrative intact into H2",
  "day5_confidence": "MEDIUM"
}