Manila: Pag-IBIG Fund's investment income rose nearly 50 percent to PHP9.43 billion in 2025, bolstering the agency's financial position and supporting affordable home financing and growing member savings. In a news release on Wednesday, the state-run home lender said the stronger earnings lifted its overall financial standing, with total assets reaching PHP1.23 trillion as of end-2025.
According to Philippines News Agency, Pag-IBIG Fund's gross investment portfolio climbed to PHP190.13 billion, up PHP55.27 billion, or 41 percent, from year-end 2024. A significant portion of the portfolio was invested in government securities, while the remainder was placed in time deposits, corporate bonds, and preferred shares. Officials stated that these instruments are subjected to rigorous review and established safeguards.
Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, noted that the agency's investment growth reflects its commitment to responsible stewardship of members' savings. Aliling emphasized the importance of sound governance and prudent financial management in strengthening Pag-IBIG Fund's financial position and securing its long-term stability. This approach allows the agency to grow members' savings, deliver competitive returns, and sustain affordable home loans under the Expanded 4PH program.
Of the agency's total assets, housing-related assets accounted for PHP922.07 billion, while PHP96.41 billion were in short-term loans. Income-generating investments totaled PHP190 billion, with the remaining PHP25.98 billion in other assets such as property and equipment, cash, and intangible assets.
Pag-IBIG Fund Chief Executive Officer Marilene Acosta highlighted that investment decisions are undertaken within a strong governance framework designed to protect members' savings. Acosta assured members that all investments are lawful, prudent, and fully compliant with internal protocols and Board-granted authorities, with regular reporting to the Board to ensure transparency and accountability. She emphasized that funds are managed with safety and sustainability in mind.
Stronger investment income supports the agency's mandate to provide competitive dividends while sustaining housing and short-term loan programs nationwide. Under its charter, Pag-IBIG Fund returns at least 70 percent of its annual net income to members as dividends. In 2024, it declared dividend rates of 6.60 percent for Regular Savings and 7.10 percent for Modified Pag-IBIG 2 (MP2) Savings, marking the highest rates since the pandemic. The agency is expected to announce its 2025 dividend rates on Friday.
Pag-IBIG Fund stated that it remains focused on growing members' savings while keeping home financing accessible to more Filipino families.
