Q1 income hits ₱16.772B as investments surge 51%.
Pag-IBIG Fund posted a stronger first quarter performance, with net income up 11% to ₱16.772 billion, driven by strong collections and steady gains from housing loans, short-term loans, and investment portfolios.
Investment income reached ₱3.033 billion, up 51% year on year from ₱2.013 billion, supported by stronger returns from the fund’s placements.
Shielding the 4PH housing mandate
Officials said this strengthens Pag-IBIG’s role in financing the Expanded Pambansang Pabahay para sa Pilipino Program (4PH), expanding access to affordable homes for Filipino workers. Continued subsidized housing loans under Expanded 4PH, including a 3% rate for qualified socialized housing borrowers, help keep home financing accessible.
Total assets rose 3% to ₱1.276 trillion from ₱1.234 trillion at end-2025, supporting member savings returns and lending capacity.
Under its charter, at least 70% of net income is returned to members as annual dividends, reinforcing its member-owned structure.
PAG-IBIG said its strong financial position allows it to sustain affordable housing finance while continuing to protect and grow members’ savings.
High inflation won’t stop the drive for homeownership. Pag-IBIG Fund hits a massive ₱16.772B Q1 income as investment portfolios surge 51%.
radar Recommends
Maximizing your mutual sovereign assets
Lock your capital in the MP2. With the fund's investment income climbing 51%, the dividend payout pool for the voluntary MP2 program will remain highly resilient. If you have excess cash that you want to protect from currency depreciation, placing it in an MP2 account offers a safe, tax-free five-year holding cycle that easily beats traditional bank savings rates.
Tap the subsidized 3% socialized rate. If your monthly household income falls within the lower-income brackets defined by DHSUD, skip commercial banking applications entirely. Secure a direct allocation under the Expanded 4PH network using Pag-IBIG's subsidized 3% framework, which insulates your long-term debt from unexpected macroeconomic rate shocks.
Use the Pag-IBIG digital portal to routinely audit your contribution history. Scammers are increasingly trying to impersonate state agencies to collect "membership updates". Never give your account details to an unverified phone solicitor; only perform balance transactions through the official, securely encrypted state application.
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