Pag-IBIG Fund posted record first-half net income of ₱41.35 billion in 2026, up 24% from the same period last year. The increase was supported by sustained earnings from its housing and short-term loan portfolios, higher investment income and disciplined cost management.
The performance came even as Pag-IBIG Fund lowered housing loan rates and increased its maximum housing loan amount to ₱10 million. It reflects the agency’ sustained financial strength and capacity 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 also chairs the Pag-IBIG Fund Board of Trustees, said the agency’s strong financial position allows it to advance the government’s housing objectives while prudently managing and growing the savings of Filipino workers.
“President Ferdinand R. Marcos Jr. has directed us to make homeownership more affordable and accessible to more Filipino families through Expanded 4PH. As the program gains momentum, with more housing projects taking shape and more families gaining opportunities to own homes, Pag-IBIG Fund plays a crucial role by providing affordable financing that sustains this progress. 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,” Aliling said.
Pag-IBIG Fund also ended the first half with a stronger financial position, with total assets reaching ₱1.32 trillion as of June 30, 2026. This was more than 6%, or ₱81.95 billion, higher than the ₱1.23 trillion recorded at the end of 2025.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said gross income rose 19%, or ₱8.58 billion, to ₱52.98 billion from ₱44.39 billion a year earlier. Investment income, derived mainly from bonds, preferred shares and time deposits, increased 47%, or ₱2.18 billion, to ₱6.85 billion and accounted for nearly 13% of gross income. She said the stronger earnings ultimately benefit Pag-IBIG members because a substantial portion of the agency’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. This trust is reflected in the fact that, in recent years, voluntary savings from our members have accounted for more than half of our total savings collections. That is why we continue to manage every peso with utmost prudence and seek the highest possible returns, while providing affordable home financing under Expanded 4PH. Through these efforts, we help realize President Ferdinand R. Marcos Jr.’s vision of enabling more Filipino families to enjoy better, more dignified lives through homeownership and greater financial security,” Acosta said.
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 it received the highest audit opinion. The opinion means the statements fairly present the agency’s financial position and operating results in accordance with applicable financial reporting standards.
