Pag-IBIG Fund posts highest net income in 45 years

MANILA, Philippines — The country’s Home Development Mutual Fund, or Pag-IBIG Fund, has posted its highest net income in 45 years, earning over 15 percent more in the first half of 2025.

From January to June, the agency posted a net income of P28.04 billion, which was P3.71 billion higher than in the same period last year.

Pag-IBIG Fund CEO Marilene Acosta said the agency remains committed to safeguarding members’ savings while ensuring that they benefit from high returns and accessible housing programs aligned with the administration’s call for inclusive social services.

“We continue to ensure that our members enjoy competitive earnings on their savings and gain access to affordable home financing. We are committed to sustaining our strong performance to help uplift the lives of more Filipino workers,” she said.

The agency is required by its charter to distribute no less than 70 percent of its annual net income as dividends, which are credited to members’ savings each year.

Pag-IBIG said higher investment returns played a key role in boosting income growth as it provided additional gains. It surged by more than half or 51.8 percent year-on-year to P4.3 billion.

The high net income was also driven by strategic placements in bonds and other debt securities, money market instruments, equities and investment properties, Pag-IBIG said. 

“Investment income accounted for 5.56 percent of the agency’s total gross income in the first half of the year,” it said in a statement.

Meanwhile, the agency’s gross income is nearly 12 percent higher than in the previous year. It reached P44.4 billion in the first half, or equivalent to an additional P4.63 billion.