Pag-IBIG Fund posted record net income of P41.35 billion in the first half of 2026, up 24% 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 performance came even as the agency lowered housing loan rates and raised its maximum housing loan amount to P10 million, supporting efforts 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 chairs the Pag-IBIG Fund Board of Trustees, said the agency’s financial strength enables it to support the government’s housing objectives while prudently managing Filipino workers’ savings.
“President Ferdinand R. Marcos Jr. has directed us to make homeownership more affordable and accessible to more Filipino families through Expanded 4PH,” 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.”
Pag-IBIG Fund’s total assets reached P1.32 trillion as of June 30, 2026, more than 6% or P81.95 billion higher than the P1.23 trillion recorded at the end of 2025.
Chief Executive Officer Marilene C. Acosta said gross income rose 19%, or P8.58 billion, to P52.98 billion from P44.39 billion a year earlier. Investment income, derived mainly from bonds, preferred shares and time deposits, increased 47%, or P2.18 billion, to P6.85 billion and accounted for nearly 13% of gross income.
Acosta said the stronger earnings ultimately benefit members, as a substantial portion of Pag-IBIG Fund’s annual net income is returned to them as dividends credited to their savings.
“We fully recognize the trust our members place in Pag-IBIG Fund to safeguard their hard-earned savings and help their money grow,” Acosta said, noting that voluntary savings have accounted for more than half of total savings collections in recent years.
She added that the agency continues to manage members’ savings prudently while seeking strong returns and providing affordable home financing under Expanded 4PH.
Earlier this month, Pag-IBIG Fund reported that the Commission on Audit issued an unmodified opinion on its 2025 financial statements, marking the 14th consecutive year the agency received the highest audit opinion. The opinion means its financial statements fairly present its financial position and operating results in accordance with applicable financial reporting standards.
The article was originally published in PhilStar Property.
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