Model	Company	Correct prediction	Category	Prediction Category	Text
BusinessBERT	SunTrust Banks	True	Finance, Insurance, Real Estate	Finance, Insurance, Real Estate	[CLS] non - interest expense was modestly lower this quarter , driven primarily by lower personnel related expenses and lower operating losses outside processing and software costs were $ 16 million lower , which included contract renegotiations we executed with a key supplier compared to the prior year , our expense base grew 8 % as a result of four primary factors the investments we ' re making in driving growth , our improved business performance , investments we continue to make in technology , and lastly , increased regulatory and compliance costs as a reminder , personnel expenses should increase by $ 75 million to $ 100 million in the first quarter do the typical seasonal increase in 401 ##k and fic ##a expenses , and also return to more normal accrual rates on certain incentive and benefits costs big picture , our philosophy is not to avoid expense growth if those investments can generate positive returns either from revenue growth or future expense reductions for this reason , we believe the metric that is most representative of our discipline and focus on smart growth is not our absolute dollar expense level , but rather our full - year tangible efficiency ratio , which as you can see on slide 7 declined a full 65 basis points relative to 2015 and more notably makes 2016 , the fifth consecutive year of efficiency ratio improvement for suntrust congratulations to all our team ##mates for their significant contribution to this ongoing success despite this improvement , we cannot rest while our task is still incomplete going forward , we are executing a number of tra ##ged ##ies to continue to make the company more effective and efficient to be specific , first , in december , bill outlined our plan to reduce the size of our branch network by approximately 10 % over the next two years we are accelerating this initiative and will now execute the first 7 % of that planned reduction by june 30th of this year these savings will fund key investments in talent and technology for our clients second , we will look to realize returns from technology investments we have made in new loan origination platforms , particularly wholesale and mortgage , end to end operations , overall process automation , and cloud - based computing , so that our team ##mates are better equipped with the tools they need to increase productivity and we ' re able to reduce cost in certain areas third , we remain highly focused on managing our supplier relationships as i mentioned earlier , we renegotiated a contract with a key supplier in the fourth quarter which drove a reduction in outside processing and we ' re looking for additional opportunities like this each of our businesses is highly focused on optimizing their supply relationships and making adjustments where the returns don ' t merit the expenditures or where we can bring the processes in house and four , given the anticipated slowdown in mortgage production , expenses within this [SEP]
FinBERT (Yang et al., 2020)	SunTrust Banks	True	Finance, Insurance, Real Estate	Finance, Insurance, Real Estate	[CLS] non - interest expense was modestly lower this quarter , driven primarily by lower personnel related expenses and lower operating losses outside processing and software costs were $ 16 million lower , which included contract renegotiation ##s we executed with a key supplier compared to the prior year , our expense base grew 8 % as a result of four primary factors the investments we ' re making in driving growth , our improved business performance , investments we continue to make in technology , and lastly , increased regulatory and compliance costs as a reminder , personnel expenses should increase by $ 75 million to $ 100 million in the first quarter do the typical seasonal increase in 401 ##k and fic ##a expenses , and also return to more normal accrual rates on certain incentive and benefits costs big picture , our philosophy is not to avoid expense growth if those investments can generate positive returns either from revenue growth or future expense reductions for this reason , we believe the metric that is most representative of our discipline and focus on smart growth is not our absolute dollar expense level , but rather our full - year tangible efficiency ratio , which as you can see on slide 7 declined a full 65 basis points relative to 2015 and more notably makes 2016 , the fifth consecutive year of efficiency ratio improvement for suntrust congratulations to all our team ##mate ##s for their significant contribution to this ongoing success despite this improvement , we cannot rest while our task is still incomplete going forward , we are executing a number of tra ##ged ##ies to continue to make the company more effective and efficient to be specific , first , in december , bill outlined our plan to reduce the size of our branch network by approximately 10 % over the next two years we are accelerating this initiative and will now execute the first 7 % of that planned reduction by june 30th of this year these savings will fund key investments in talent and technology for our clients second , we will look to realize returns from technology investments we have made in new loan origination platforms , particularly wholesale and mortgage , end to end operations , overall process automation , and cloud - based computing , so that our team ##mate ##s are better equipped with the tools they need to increase productivity and we ' re able to reduce cost in certain areas third , we remain highly focused on managing our supplier relationships as i mentioned earlier , we renegotiated a contract with a key supplier in the fourth quarter which drove a reduction in outside processing and we ' re looking for additional opportunities like this each of our businesses is highly focused on optimizing their supply relationships and making adjustments where the returns don ' t merit the expenditures or where we can bring the processes in house and four , given the anticipated slowdown in mortgage production , [SEP]
FinBERT (Araci et al., 2019)	SunTrust Banks	False	Finance, Insurance, Real Estate	Manufacturing	[CLS] non - interest expense was modest ##ly lower this quarter , driven primarily by lower personnel related expenses and lower operating losses outside processing and software costs were $ 16 million lower , which included contract rene ##go ##tia ##tions we executed with a key supplier compared to the prior year , our expense base grew 8 % as a result of four primary factors the investments we ' re making in driving growth , our improved business performance , investments we continue to make in technology , and lastly , increased regulatory and compliance costs as a reminder , personnel expenses should increase by $ 75 million to $ 100 million in the first quarter do the typical seasonal increase in 401 ##k and fi ##ca expenses , and also return to more normal acc ##ru ##al rates on certain incentive and benefits costs big picture , our philosophy is not to avoid expense growth if those investments can generate positive returns either from revenue growth or future expense reductions for this reason , we believe the metric that is most representative of our discipline and focus on smart growth is not our absolute dollar expense level , but rather our full - year tangible efficiency ratio , which as you can see on slide 7 declined a full 65 basis points relative to 2015 and more notably makes 2016 , the fifth consecutive year of efficiency ratio improvement for sun ##trust congratulations to all our teammates for their significant contribution to this ongoing success despite this improvement , we cannot rest while our task is still incomplete going forward , we are executing a number of tr ##aged ##ies to continue to make the company more effective and efficient to be specific , first , in december , bill outlined our plan to reduce the size of our branch network by approximately 10 % over the next two years we are accelerating this initiative and will now execute the first 7 % of that planned reduction by june 30th of this year these savings will fund key investments in talent and technology for our clients second , we will look to realize returns from technology investments we have made in new loan origin ##ation platforms , particularly wholesale and mortgage , end to end operations , overall process automation , and cloud - based computing , so that our teammates are better equipped with the tools they need to increase productivity and we ' re able to reduce cost in certain areas third , we remain highly focused on managing our supplier relationships as i mentioned earlier , we rene ##go ##tia ##ted a contract with a key supplier in the fourth quarter which drove a reduction in outside processing and we ' re looking for additional opportunities like this each of our businesses is highly focused on opt ##imi ##zing their supply relationships and making adjustments where the returns don ' t merit the expenditures or where we can bring the processes in house and four , [SEP]
BERT-Base	SunTrust Banks	False	Finance, Insurance, Real Estate	Services	[CLS] non - interest expense was modest ##ly lower this quarter , driven primarily by lower personnel related expenses and lower operating losses outside processing and software costs were $ 16 million lower , which included contract rene ##go ##tia ##tions we executed with a key supplier compared to the prior year , our expense base grew 8 % as a result of four primary factors the investments we ' re making in driving growth , our improved business performance , investments we continue to make in technology , and lastly , increased regulatory and compliance costs as a reminder , personnel expenses should increase by $ 75 million to $ 100 million in the first quarter do the typical seasonal increase in 401 ##k and fi ##ca expenses , and also return to more normal acc ##ru ##al rates on certain incentive and benefits costs big picture , our philosophy is not to avoid expense growth if those investments can generate positive returns either from revenue growth or future expense reductions for this reason , we believe the metric that is most representative of our discipline and focus on smart growth is not our absolute dollar expense level , but rather our full - year tangible efficiency ratio , which as you can see on slide 7 declined a full 65 basis points relative to 2015 and more notably makes 2016 , the fifth consecutive year of efficiency ratio improvement for sun ##trust congratulations to all our teammates for their significant contribution to this ongoing success despite this improvement , we cannot rest while our task is still incomplete going forward , we are executing a number of tr ##aged ##ies to continue to make the company more effective and efficient to be specific , first , in december , bill outlined our plan to reduce the size of our branch network by approximately 10 % over the next two years we are accelerating this initiative and will now execute the first 7 % of that planned reduction by june 30th of this year these savings will fund key investments in talent and technology for our clients second , we will look to realize returns from technology investments we have made in new loan origin ##ation platforms , particularly wholesale and mortgage , end to end operations , overall process automation , and cloud - based computing , so that our teammates are better equipped with the tools they need to increase productivity and we ' re able to reduce cost in certain areas third , we remain highly focused on managing our supplier relationships as i mentioned earlier , we rene ##go ##tia ##ted a contract with a key supplier in the fourth quarter which drove a reduction in outside processing and we ' re looking for additional opportunities like this each of our businesses is highly focused on opt ##imi ##zing their supply relationships and making adjustments where the returns don ' t merit the expenditures or where we can bring the processes in house and four , [SEP]
RoBERTa-Base	SunTrust Banks	True	Finance, Insurance, Real Estate	Finance, Insurance, Real Estate	<s> Non - interest expense was modest ly lower this quarter , driven primarily by lower personnel related expenses and lower operating losses Outside processing and software costs were $ 16 million lower , which included contract renegoti ations we executed with a key supplier Compared to the prior year , our expense base grew 8 % as a result of four primary factors The investments we 're making in driving growth , our improved business performance , investments we continue to make in technology , and last ly , increased regulatory and compliance costs As a reminder , personnel expenses should increase by $ 75 million to $ 100 million in the first quarter do the typical seasonal increase in 401 K and F ICA expenses , and also return to more normal acc ru al rates on certain incentive and benefits costs Big picture , our philosophy is not to avoid expense growth if those investments can generate positive returns either from revenue growth or future expense reductions For this reason , we believe the metric that is most representative of our discipline and focus on smart growth is not our absolute dollar expense level , but rather our full - year tangible efficiency ratio , which as you can see on Slide 7 declined a full 65 basis points relative to 2015 and more notably makes 2016 , the fifth consecutive year of efficiency ratio improvement for Sun Trust Congratulations to all our teammates for their significant contribution to this ongoing success Despite this improvement , we cannot rest while our task is still incomplete Going forward , we are executing a number of tragedies to continue to make the company more effective and efficient To be specific , first , in December , Bill outlined our plan to reduce the size of our branch network by approximately 10 % over the next two years We are accelerating this initiative And will now execute the first 7 % of that planned reduction by June 30 th of this year These savings will fund key investments in talent and technology for our clients Second , we will look to realize returns from technology investments we have made in new loan orig ination platforms , particularly wholesale and mortgage , end to end operations , overall process automation , and cloud - based computing , so that our teammates are better equipped with the tools they need to increase productivity and we 're able to reduce cost in certain areas Third , we remain highly focused on managing our supplier relationships As I mentioned earlier , we renegoti ated a contract with a key supplier in the fourth quarter which drove a reduction in outside processing and we 're looking for additional opportunities like this Each of our businesses is highly focused on optimizing their supply relationships and making adjustments where the returns don 't merit the expenditures or where we can bring the processes in house And four , given the anticipated slowdown in mortgage production , expenses within </s>