Pag-IBIG Fund’s investment income jumps 52% in first half of 2025

Pag-IBIG Fund reported a 51.79 percent surge in investment income in the first half of 2025, reaching P4.27 billion compared with the same period last year.

The gains helped push the agency’s net income to P28.04 billion for the January–June period, a 15.25 percent increase year on year.

Pag-IBIG chief executive officer Marilene Acosta said the results reflect the agency’s mandate to manage members’ savings responsibly.

“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.

As of June 30, Pag-IBIG’s total assets stood at P1.14 trillion, with housing-related assets accounting for P869.5 billion, short-term loans at P82.7 billion, and income-generating investments at P168.44 billion. Another P21.16 billion was in other assets, such as property, equipment, and cash.

The gross investment portfolio expanded by 24.48 percent from the end of 2024, reaching P168.47 billion, an increase of P33.13 billion. Officials credited the growth to prudent management of workers’ contributions while continuing to support housing and short-term loan programs.

“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,” Acosta said. She emphasized that all investments are lawful, prudent, and compliant with internal protocols, with monthly reports submitted to the Pag-IBIG board to ensure accountability.

Under its charter, Pag-IBIG returns at least 70 percent of net income as dividends to members. In 2024, it declared dividend rates of 6.60 percent for Regular Savings and 7.10 percent for the Modified Pag-IBIG 2 (MP2) Savings, the highest since the pandemic.

With investment growth and continued focus on housing finance, officials said the agency remains committed to balancing financial sustainability with affordable services for members.