Pag-IBIG Fund on Friday reported a double-digit income growth in the first half of 2025, marking the highest earnings for the period in the agency’s 45-year history.
The state-owned housing finance agency said that gross income reached P44.39 billion from January to June, an 11.65-percent increase from the same period last year.
Net income grew 15.25 percent to P28.04 billion, also a record high since the agency’s founding in 1980.
Officials attributed the growth to robust collections and higher earnings from Pag-IBIG Fund’s housing and short-term loan portfolios.
“This performance shows how excellently we are managing the funds that our members have entrusted to us,” said Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling.
“With our strong fiscal standing, we remain capable of continuing to deliver our members’ benefits and are in a solid position to finance more homes under the Expanded Pambansang Pabahay para sa Pilipino, or Expanded 4PH Program, in line with the directive of President Ferdinand R. Marcos Jr. to empower more Filipinos achieve better, more dignified lives,” said Aliling who is also the chairman of the Pag-IBIG Fund board of trustees.
Higher investment returns also contributed significantly, with income from investments surging 51.79 percent year-on-year to P4.27 billion, driven by strategic placements in bonds and other debt securities, money market instruments, equities and investment properties. Investment income accounted for 5.56 percent of the agency’s total gross income in the first half.
Pag-IBIG Fund chief executive Marilene Acosta cited the agency’s strong financial position, with total assets standing at P1.14 trillion as of June 2025, a 7.02-percent increase from P1.07 trillion at year-end 2024.
Acosta said the strong performance directly benefits its members. Under its charter, the agency returns at least 70 percent of its annual net income to members in the form of dividends, which are credited to their savings every year.
“Pag-IBIG Fund is owned by its members — the Filipino workers. It is our duty to grow and protect their savings,” Acosta said.
“Guided by President Marcos Jr.’s call for government institutions to deliver responsive social benefits, we continue to ensure that our members enjoy competitive earnings on their savings and gain access to affordable home financing. We are committed to sustaining our strong performance to help uplift the lives of more Filipino workers,” she said.
