Pag-IBIG Fund posted a record P41.35 billion in net income in the first half of 2026, up 24 percent from the same period last year, driven by sustained earnings from its housing and short-term loan portfolios, higher investment income, and disciplined cost management.

The strong performance came despite the fund’s reduction of housing loan rates and increase in its maximum housing loan amount to P10 million, highlighting its financial capacity to make home financing more affordable under President Ferdinand R. Marcos Jr.’s Expanded Pambansang Pabahay para sa Pilipino (Expanded 4PH) Program.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, said the agency’s financial strength allows it to support the government’s housing goals while prudently managing the savings of Filipino workers.

“President Marcos has directed us to make homeownership more affordable and accessible to more Filipino families through the Expanded 4PH. As the program gains momentum, with more housing projects taking shape and more families given the opportunity to own homes, Pag-IBIG Fund plays a crucial role by providing affordable financing that sustains this progress,” Aliling said.

“Our financial strength enables us to open more doors to homeownership and help Filipino workers fulfill their dream of having a home of their own, while prudently managing and growing the savings entrusted to us,” he added.

Pag-IBIG Fund’s total assets grew to P1.32 trillion as of 30 June 2026, up more than six percent or P81.95 billion, from the P1.23 trillion recorded at the end of 2025.

Pag-IBIG Fund chief executive officer Marilene C. Acosta said gross income increased 19 percent, or ₱8.58 billion, to P52.98 billion from P44.39 billion a year earlier.

Investment income, primarily from bonds, preferred shares and time deposits, rose 47 percent or P2.18 billion to P6.85 billion. It accounted for nearly 13 percent of total gross income.

Acosta said the higher earnings would ultimately benefit members, as a substantial portion of Pag-IBIG Fund’s annual net income is returned to them through dividends credited to their savings.

Earlier this month, Pag-IBIG Fund reported that the Commission on Audit had issued an unmodified opinion on its 2025 financial statements, marking the 14th consecutive year it received the highest audit opinion. The opinion means the statements fairly presented the agency’s financial position and operating results in accordance with applicable financial reporting standards.