The Banksy Umbrella Girl is a painting depicting a girl that´s trying to protect herself from the rain, although the rains´ only appearing under her umbrella. She´s trying to feel if there´s also rain outside of the umbrella.
Banksy said that this stencil represents how things that are supposed to protect us can also hurt us. The girl is standing under the umbrella, but is getting rained on regardless. Moreover, the umbrella should be protecting her from the rain, but it is instead its source. She is holding out her hand to see if it is like that outside the umbrella.