BDO Unibank, Inc., commonly referred to as BDO, is a leading full-service universal bank in the Philippines. It serves a wide range of clients, including individual consumers, small and medium enterprises (SMEs), and large corporations. BDO operates in the financial services market, providing a comprehensive suite of products and services designed to meet the diverse needs of its customers.

BDO's business model revolves around offering traditional banking services such as savings and checking accounts, loans, and credit cards. Additionally, it provides investment services, insurance, and wealth management. The bank also offers specialized services like cash cards and integrated disbursement solutions, which help businesses manage their finances more efficiently.

The bank makes money primarily through interest income from loans and credit products, fees from various banking services, and investment income. BDO also earns from transaction fees, particularly from its extensive network of ATMs and branches, which facilitate a high volume of transactions daily.

BDO is committed to financial consumer protection and literacy, aligning with the Bangko Sentral ng Pilipinas (BSP) guidelines. The bank has established a Consumer Assistance Management System to address customer needs and concerns promptly, ensuring a high level of customer service.

In summary, BDO Unibank is a comprehensive financial institution that caters to a broad spectrum of clients, from individuals to large corporations, through a diverse range of banking and financial services. Its robust business model and commitment to customer service make it a significant player in the Philippine banking sector.

Keywords: Universal Bank, Financial Services, Loans, Credit Cards, Investments, Insurance, Wealth Management, ATMs, Consumer Protection, Philippines.