Savings surge, loans expand as Pag-IBIG hits P1.1T in assets

Pag-IBIG Fund’s total assets surpassed ₱1.1 trillion as of the first quarter of 2025, marking a significant milestone in the agency’s financial growth and stability.

The figure rose from ₱1.069 trillion at the end of 2024 — an increase of ₱34.37 billion in just three months — driven by strong loan performance, solid investment gains, and record-high member savings.

The agency reported an equity base of ₱776.52 billion, reflecting the combined value of members’ contributions, retained earnings, and reserves. This robust capital position continues to support Pag-IBIG Fund’s core mission of offering competitive savings growth and affordable loan programs to over 16.5 million active members.

Pag-IBIG also maintained ₱21.29 billion in cash and cash equivalents, while expanding its investment portfolio to ₱133.06 billion. The agency highlighted its focus on liquidity and stable returns through a mix of income-generating placements and diversified assets, including real estate and other non-current holdings.

In line with its 10-year vision, Pag-IBIG aims to declare at least 10% in annual dividends, broaden digital access, and strengthen financial inclusion — particularly for underserved sectors. The roadmap also reinforces Pag-IBIG’s role in nation-building, supporting President Ferdinand R. Marcos Jr.’s agenda to provide affordable and dignified shelter for all Filipinos.

In the first quarter alone, housing loan disbursements reached ₱30.22 billion, while total membership savings collections surged to ₱40.41 billion — a 41% year-on-year increase from ₱28.76 billion in 2024. The Fund also posted a strong performing loans ratio of 94.13%, underscoring prudent portfolio management and borrower discipline.