{
  "report_rows": [
    {
      "kpi": "NII ex-Markets (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$11.85B vs cons $11.786B (Visible Alpha, Jul 13 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total Noninterest Income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$9.65B vs cons $9.525B (Visible Alpha, Jul 13 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1.78 vs cons $1.733 (Visible Alpha, Jul 13 2026)",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 NII (full year)",
      "prediction": "BETTER",
      "answer": "guide ~$50B vs cons $49.786B (Visible Alpha, Jul 13 2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY2026 Noninterest Expense (full year)",
      "prediction": "UNCHANGED",
      "answer": "guide ~$55.7B vs cons $55.731B (Visible Alpha, Jul 13 2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Q3 2026 NII trajectory (qualitative)",
      "prediction": "BETTER",
      "answer": "guide 'continued sequential step-up' vs implied ~$12.3-12.4B consensus",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "ROTCE trajectory (medium-term)",
      "prediction": "UNCHANGED",
      "answer": "reiterate 17-18% medium-term; Q2 reported ~15.7% vs cons 15.43%",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 0.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.5,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 beat drops through to EPS revisions; FY NII guide already in consensus so no implicit cut pulling estimates lower; modest positive drift expected over 5 days",
  "day5_confidence": "MEDIUM"
}