Pag-IBIG Fund has chalked up another record after reporting double-digit year-on-year growth in its first-half income, marking the agency’s highest earnings in 45 years.

From January to June, the agency’s gross income reached P44.39 billion, rising by 11.65 percent or P4.63 billion compared to the same period last year.

Meanwhile, Pag-IBIG Fund’s net income grew by 15.25 percent or P3.71 billion to reach ₱P28.04 billion. This is the highest net income recorded since the agency was founded in 1980.

Officials attributed the growth to strong collections and higher earnings from Pag-IBIG Fund’s 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,” Secretary Jose Ramon P. Aliling of the Department of Human Settlements and Urban Development, who also chairs the 11-member Pag-IBIG Fund Board of Trustees, said.

Solid financial position

“Pag-IBIG is 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,” Aliling added.

Higher investment returns also contributed to the income growth. The agency’s income from investments surged by 51.79 percent year-on-year to P4.27 billion.

This was driven by strategic placements in bonds and other debt securities, money market instruments, equities, and investment properties. Investment income accounted for 5.56 percent of the agency’s total gross income in the first half.

Pag-IBIG Fund chief executive officer Marilene Acosta, meanwhile, emphasized the strength of the agency’s financial position.

As of June 2025, Pag-IBIG Fund’s total assets stood at P1.14 trillion, reflecting a 7.02 percent or P74.9 billion increase from the year-end 2024 figure of P1.07 trillion.

Acosta said the agency’s strong performance directly benefits its members.

Under its charter, the agency returns at least 70 percent of its annual net income to members in the form of dividends, which are credited to their savings every year.

“Pag-IBIG Fund is owned by its members — the Filipino workers. We must grow and protect their savings,” Acosta said.