Pag-IBIG investment earnings increase nearly 50% to P9.4 billion

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February 27, 2026 | 12:00am

MANILA, Philippines —  Home Development Mutual Fund, commonly known as Pag-IBIG Fund, said its investment income climbed by nearly 50 percent to P9.43 billion last year.

In a statement, the state-run home lender said the stronger investment earnings helped raise Pag-IBIG’s overall financial standing.

Total assets stood at P1.23 trillion, of which P922.07 billion accounted for housing-related assets, P96.41 billion were short-term loans and P190 billion for income-generating investments.

The remaining P25.98 billion consists of other assets, including property and equipment, cash and intangible assets.

Pag-IBIG CEO Marilene Acosta said investment decisions are made within a strong 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,” she said.

Acosta said the agency’s investment moves are managed with the “highest regard for safety, sustainability and their best interest.”

In 2025, its gross investment portfolio also surged by 41 percent or  P55.27 billion to P190.13 billion from year-end 2024.

The agency said a large portion of its portfolio was disbursed in government securities, with the remainder in time deposits, corporate bonds and preferred shares, officials said.

It also noted that these instruments undergo strict review and are subject to established safeguards.

Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling said the investment growth reflected the agency’s commitment to responsible stewardship of its members’ savings.

“Through sound governance and prudent financial management, we continue to strengthen Pag-IBIG Fund’s financial position and secure its long-term stability,” he said.

By mandate, Pag-IBIG allocates at least 70 percent of its net income as dividends to members.

In 2024, it set rates of 6.6 percent for regular savings and 7.1 percent for modified Pag-IBIG 2 savings, the highest since the pandemic.

Pag-IBIG Fund is expected to announce its 2025 dividend rates today.