Pag-IBIG Fund posts record-high P28.04B net income in H1 2025

The Home Development Mutual Fund or Pag-IBIG Fund saw its bottom line grow by double-digit in the first half of 2025 on the back of higher premium collections and earnings from its housing loan programs.

In a statement on Friday, Pag-IBIG Fund reported a net income of P28.04 billion, up 15.25% or P3.71 billion from a year earlier.

This is the highest net income recorded since the agency was founded in 1980, according to the housing fund.

The fund added that its gross earnings stood at P44.39 billion, up 11.65% or P4.63 billion higher year-on-year.

Pag-IBIG Fund said its financial performance during the period was due to strong collections and higher earnings from its housing and short-term loan portfolios.

“This performance shows how excellently we are managing the funds that our members have entrusted to us. 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 to achieve better, more dignified lives,” said Secretary Jose Ramon Aliling of the Department of Human Settlements and Urban Development, who also chairs the 11-member Pag-IBIG Fund Board of Trustees.

Moreover, Pag-IBIG Fund said higher investment returns also contributed to its first half 2025 income growth.

In particular, the fund’s income from investments surged by 51.79% year-on-year to P4.27 billion “driven by strategic placements in bonds and other debt securities, money market instruments, equities, and investment properties.”

Pag-IBIG Fund said its investment income accounted for 5.56% of the fund’s total gross earnings during the period.

For her part, Pag-IBIG Fund CEO Marilene Acosta bared the fund’s financial position.

As of June 2025, Pag-IBIG Fund’s total assets stood at P1.14 trillion, up 7.02% or P74.90 billion increase from the year-end 2024 figure of P1.07 trillion.

Acosta said the agency's strong performance “directly benefits its members” as the fund, under its charter, returns at least 70% of its annual net income to members in the form of dividends, which are credited to their savings every year. — BAP, GMA Integrated News