What aspect is NOT typically included in the assessment of business banking?

In the context of business banking, investment advisory services are not typically included in the core offerings. Business banking primarily focuses on providing essential financial services tailored to the needs of businesses, such as operating loans, term loans for expansion, and merchant services.

Operating loans are critical for managing day-to-day expenses, while term loans are used for significant investments or enhancements in business capabilities, such as expansion projects. Merchant services facilitate the transaction process for businesses, allowing them to accept various types of payments.

On the other hand, investment advisory services tend to fall more within the realm of wealth management or personal banking, focusing on investment strategies and portfolio management for individual clients or high-net-worth individuals. This distinction is why investment advisory services are seen as outside the typical services provided in the business banking sector.