Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model All three major indices are trading up today with the Dow Jones Industrial Average ( ^DJI) trading up 47 points (0.3%) at 15,382 as of Tuesday, May 21, 2013, 12:50 PM ET. The NYSE advances/declines ratio sits at 1,570 issues advancing vs. 1,367 declining with 136 unchanged. The Banking industry currently sits down 0.22 versus the S&P 500, which is up 0.2%. On the negative front, top decliners within the industry include Lloyds Banking Group ( LYG), down 1.57, HDFC Bank ( HDB), down 1.34, Mitsubishi UFJ Financial Group ( MTU), down 1.18 and Banco Santander ( SAN), down 0.70. TheStreet Ratings group would like to highlight 3 stocks pushing the industry lower today: 3. Royal Bank of Scotland Group (The ( RBS) is one of the companies pushing the Banking industry lower today. As of noon trading, Royal Bank of Scotland Group (The is down $0.41 (-3.8%) to $10.40 on heavy volume Thus far, 874,615 shares of Royal Bank of Scotland Group (The exchanged hands as compared to its average daily volume of 655,200 shares. The stock has ranged in price between $10.26-$10.42 after having opened the day at $10.39 as compared to the previous trading day's close of $10.81. The Royal Bank of Scotland Group plc, through its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers worldwide. Royal Bank of Scotland Group (The has a market cap of $31.5 billion and is part of the financial sector. Shares are up 0.2% year to date as of the close of trading on Monday. TheStreet Ratings rates Royal Bank of Scotland Group (The as a sell. The company's weaknesses can be seen in multiple areas, such as its deteriorating net income, disappointing return on equity and feeble growth in its earnings per share. Get the full Royal Bank of Scotland Group (The Ratings Report now. Exclusive Offer: Jim Cramer's 'go-to' small/mid-cap guru Bryan Ashenberg only buys stocks he thinks could return 50-100%. See his top picks for 14-days FREE.