Pag-IBIG Fund Achieves 50% Surge in Investment Income for 2025
State-run home lender Pag-IBIG Fund has announced a remarkable financial performance, with investment income soaring by nearly 50 percent to reach P9.43 billion in 2025. This substantial increase strengthens the agency's financial foundation, enabling enhanced support for affordable home financing and robust member savings initiatives.
Robust Growth in Assets and Investment Portfolio
In a statement released on Wednesday, February 25, 2026, Pag-IBIG Fund disclosed that its total assets climbed to an impressive P1.23 trillion by the end of 2025. Concurrently, the gross investment portfolio expanded significantly by 41 percent, reaching P190.13 billion—an increase of P55.27 billion from the previous year.
Investment Strategy and Safeguards
A major portion of these investments was strategically placed in government securities, with the remainder allocated to time deposits, corporate bonds, and preferred shares. Officials emphasized that all investment instruments undergo rigorous review and are protected by established safeguards to ensure security and stability.
Breakdown of Assets and Income Sources
The agency's asset composition highlights its focus on housing and liquidity:
- Housing-related assets accounted for P922.07 billion of the total assets.
- Short-term loans amounted to P96.41 billion.
- Income-generating investments totaled P190 billion.
- Other assets, including property, equipment, cash, and intangible assets, stood at P25.98 billion.
Leadership Insights on Financial Management
Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, attributed the strong investment performance to prudent financial management and sound governance. He noted that sustained earnings empower the agency to grow members' savings, deliver competitive returns, and continue providing affordable home loans under the Expanded 4PH program, aligning with the administration's housing agenda.
Pag-Ibig Fund Chief Executive Officer Marilene C. Acosta reinforced this by stating that investment decisions are made within a comprehensive governance framework designed to protect members' savings. Regular reporting to the Board ensures transparency and accountability in all financial activities.
Dividend Returns and Future Outlook
Under its charter, Pag-IBIG Fund is mandated to return at least 70 percent of its annual net income to members as dividends. In 2024, the agency 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. Dividend rates for 2025 are anticipated to be announced on February 27, 2026.
Officials expressed confidence that the stronger investment income will help sustain housing and short-term loan programs across the nation while maintaining competitive returns for members. This financial boost is expected to further solidify Pag-IBIG Fund's role in promoting homeownership and financial security for Filipinos.
