State-run Pag-IBIG Fund posted a record P65.28 billion in net income in 2025, riding on surging loan releases, record member savings, and stepped-up investments in affordable housing.
Speaking at the agency’s Chairman’s Report on February 27, Chief Executive Officer Marlene Acosta said the milestone performance underscores the trust of its more than 17 million active members.
“Our strength is grounded in the trust of our members, through consistent performance, prudent stewardship, and our unwavering commitment to serve with tapat na serbisyo mula sa puso,” Acosta said, noting that the agency remains focused on delivering “real, measurable improvements” in members’ lives.
Membership savings climbed to an all-time high of P160.41 billion, fueled by strong uptake in the MP2 voluntary savings program, which reached P83.51 billion. Total voluntary savings rose to P93.6 billion, reflecting what Acosta described as a deepening culture of saving beyond the mandatory P200 monthly contribution.
Loan disbursements also set new records. Pag-IBIG released P140.54 billion in housing loans, financing 90,727 units and cementing its position as the country’s largest home financier. Short-term cash loans surged to P94.16 billion, benefiting more than 3.75 million members.
To boost housing supply under the government’s 4PH initiative, the Fund approved P24.12 billion in direct development loans and released P7.63 billion covering 7,055 units. It also invested P10 billion in preferred shares to support precast construction technology aimed at accelerating condominium builds.
Total assets expanded to P1.23 trillion, while the Board approved a record P64.34 billion in dividends—equivalent to a 98.6% payout, well above the statutory minimum.
