{
  "report_rows": [
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1,270M vs. cons $1,257M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "IB & Debt Placement Fees (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$185M vs. cons $179M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Commercial Loan Growth QoQ (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$2.5B vs. cons implied ~$1.8B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY 2026 NII Growth (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide ~10-11% vs. cons $5,100M (implied ~9%)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY 2026 Commercial Loan Growth (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide ~8-10% vs. cons implied ~3% total avg",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY 2026 IB Fees (FY 2026)",
      "prediction": "UNCHANGED",
      "answer": "guide maintain 5-6% vs. cons $824M",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY 2026 Buybacks (FY 2026)",
      "prediction": "BETTER",
      "answer": "guide raise to ~$1.5B floor vs. current $1.3B floor",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 2.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 1.0,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 NII raise offsets IB fee Q3 softness; buyback support provides floor",
  "day5_confidence": "MEDIUM"
}