The government-run Pag-IBIG Fund said its investment income rose nearly 50% in 2025, strengthening its balance sheet and supporting record dividend payouts and expanded affordable housing loans.
The state housing lender reported investment earnings of ₱9.43 billion for the year, helping lift total assets to ₱1.23 trillion as of December 31, 2025.
Its gross investment portfolio grew 41% to ₱190.13 billion, up ₱55.27 billion from year-end 2024. The bulk of the funds were invested in government securities, while the remainder was placed in time deposits, corporate bonds, and preferred shares.
Officials said the instruments are subject to rigorous review and established safeguards.
Housing-related assets accounted for ₱922.07 billion of the total portfolio, while ₱96.41 billion were in short-term loans. Income-generating investments totaled about ₱190 billion, with ₱25.98 billion in other assets such as property and equipment, cash, and intangible assets.
The stronger returns supported the agency’s ability to declare record dividends for members’ savings. Under its charter, Pag-IBIG Fund is required to return at least 70% of its annual net income to members as dividends.
For 2025, the agency declared ₱64.34 billion in total dividends, equivalent to dividend rates of 6.62% for Regular Savings and 7.12% for its Modified Pag-IBIG 2 (MP2) Savings program—the highest levels in its history.
Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the agency’s investment growth reflects responsible management of members’ contributions.
“Through sound governance and prudent financial management, we continue to strengthen Pag-IBIG Fund’s financial position and secure its long-term stability. This allows us to grow our members’ savings, deliver competitive returns, and sustain affordable home loans under the Expanded 4PH program,” Aliling said.
The Expanded Pambansang Pabahay Para sa Pilipino (4PH) program is the national government’s flagship housing initiative aimed at reducing the country’s housing backlog by providing subsidized financing for qualified borrowers.
Pag-IBIG Fund chief executive Marilene Acosta said investment decisions are undertaken within a governance framework designed to protect members’ savings.
“All our investments are lawful, prudent, and fully compliant with our internal protocols and Board-granted authorities, with regular reporting to the Board to ensure transparency and accountability,” Acosta said.
She added that stronger investment income supports the agency’s mandate to provide competitive dividends while sustaining housing and short-term loan programs nationwide.
Beyond investment income, the agency also reported record housing loan releases in 2025, financing tens of thousands of homes across the country. Membership savings collections likewise reached an all-time high, reflecting continued growth in member participation.
Housing-related assets accounted for ₱922.07 billion of the total portfolio, while ₱96.41 billion were in short-term loans. Income-generating investments totaled about ₱190 billion, with ₱25.98 billion in other assets such as property and equipment, cash, and intangible assets.
Officials said Pag-IBIG Fund remains focused on expanding savings while ensuring that home financing remains accessible and affordable for Filipino families.
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