Strong investments boost Pag-IBIG Fund's H1 2025 Income to ₱28.04 billion

THE Pag-IBIG Fund has earned P4.27 billion from its investments in the first half of 2025, up 51.79 percent from the same period last year, its top official said Monday.

Pag-IBIG Fund Chief Executive Officer Marilene Acosta said in a statement that the gains helped push the agency’s net income to P28.04 billion for the six-month period, a 15.25-percent increase year on year.

“It is our responsibility to manage and grow the Filipino workers’ fund with prudence and integrity, so we can continue delivering affordable home financing and provide our members with competitive returns on their savings,” Acosta said.

Total assets stood at P1.14 trillion as of June 30, made up of P869.50 billion in housing-related assets, P82.70 billion in short-term loans and P168.44 billion in income-generating investments.

She said the remaining P21.16-billion consist of other assets, including property and equipment, cash and intangible assets.

The agency’s gross investment portfolio reached P168.47 billion, higher by P33.13 billion, or 24.48 percent from the end of 2024.

The growth reflects Pag-IBIG’s prudent management of members’ savings while continuing to support its core programs in housing and short-term financing, Acosta said.

“All investment decisions are carried out with integrity, under a thorough and transparent process designed to protect and grow the hard-earned savings of Filipino workers,” she said.

She stressed that all the agency’s investments are lawful, prudent and fully compliant with internal protocols and the authority granted to management by the board of directors since 2016.

“We submit monthly reports to the board to ensure transparency and accountability in how we grow the hard-earned savings of Filipino workers. Our members can be assured that every peso is managed with the highest regard for safety, sustainability and their best interest,” Acosta said.

At least 70 percent of its net income is returned to its members as dividends as mandated under its charter, the official said.

In 2024, the agency declared dividend rates of 6.60 percent for Pag-IBIG Regular Savings and 7.10 percent for the Modified Pag-IBIG 2 Savings, the highest since the pandemic.