Analyze the sentiment of this statement extracted from a financial news article. Provide your answer as either negative, positive, or neutral.
Text: OP-Pohjola Group 's capital adequacy ratio under the Act on Credit Institutions stood at 12.1 % and Tier 1 ratio at 12.1 % .
Answer:
OP-Pohjola Group 's capital adequacy ratio under the Act on Credit Institutions stood at 12.1 % and Tier 1 ratio at 12.1 % .