{
  "report_rows": [
    {
      "kpi": "Operating EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.425 vs. cons $0.419",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$1.270B vs. cons $1.257B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Investment-banking fees",
      "prediction": "IN-LINE",
      "answer": "pred ~$180M vs. cons $178.5M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 NII growth (FY26)",
      "prediction": "UNCHANGED",
      "answer": "guide 9%-10% vs. implied consensus $5.100B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 IB-fee growth (FY26)",
      "prediction": "UNCHANGED",
      "answer": "guide 5%-6% vs. cons $823.6M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "4Q26 exit NIM (4Q26)",
      "prediction": "UNKNOWN",
      "answer": "guide ~3.05% vs. cons UNVERIFIED",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -1.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -1.0,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 reaffirmation limits estimate downside, but lacks an incremental catalyst",
  "day5_confidence": "MEDIUM"
}