{
  "report_rows": [
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "MISS",
      "answer": "pred ~$2,060M vs. cons $2,093M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Fee Income / Noninterest Income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$760M vs. cons $734M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "NCO Ratio (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~24bp vs. cons 26.4bp",
      "confidence": "HIGH"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 NII (full year)",
      "prediction": "UNCHANGED",
      "answer": "guide maintained vs. cons $8,330M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 Fee Income (full year)",
      "prediction": "BETTER",
      "answer": "guide raised to 33-35% growth vs. cons $2,947M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "NIM Exit Rate (qualitative, FY2026)",
      "prediction": "BETTER",
      "answer": "upgraded to low 3.30s vs. current high 3.20s",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": -1.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -2.0,
  "day5_path": "FADE",
  "day5_rationale": "FADE \u2014 sell-side cuts Q3 NII on the miss; fee/NIM upgrade partially offsets but does not prevent estimate drift lower",
  "day5_confidence": "MEDIUM"
}