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Pag-IBIG Fund disclosed a double-digit annual increment in its earnings for the initial half of 2025, achieving the highest profits for this duration in the organization’s 45-year existence, senior officials revealed on Aug. 1.
Between January and June, the agency’s gross revenue hit P44.39 billion, increasing by 11.65% or P4.63 billion compared to the corresponding timeframe last year. In addition, Pag-IBIG Fund’s net earnings ascended by 15.25% or P3.71 billion, totaling P28.04 billion. This marks the peak net income recorded since the agency’s inception in 1980.
Officials credited the expansion to robust collections and enhanced returns from Pag-IBIG Fund’s housing and short-term loan sectors.
“This outcome illustrates how proficiently we are handling the resources that our members have placed in our care. With our strong financial position, we remain equipped to continue offering our members benefits and are well-positioned to finance more residences under the Expanded Pambansang Pabahay para sa Pilipino, or Expanded 4PH Program, in accordance with the mandate of President Ferdinand R. Marcos, Jr. to enable more Filipinos to achieve improved, more dignified lives,” remarked Secretary Jose Ramon P. Aliling of the Department of Human Settlements and Urban Development, who also presides over the 11-member Pag-IBIG Fund Board of Trustees.
Enhanced investment yields also aided in the income escalation. The agency’s investment revenue soared by 51.79% year-over-year to P4.27 billion.
This was driven by strategic investments in bonds and various debt instruments, money market tools, equities, and investment properties. Investment earnings represented 5.56% of the agency’s overall gross income in the first half of the year.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, on the other hand, underlined the robustness of the agency’s financial standing. As of June 2025, Pag-IBIG Fund’s total assets reached P1.14 trillion, indicating a 7.02% or P74.90 billion rise from the year-end 2024 total of P1.07 trillion.
Ms. Acosta further articulated that the agency’s strong results directly benefit its members. Per its charter, the agency disburses at least 70 percent of its yearly net income to members as dividends, which are credited to their savings annually.
“Pag-IBIG Fund is owned by its members — the Filipino workforce. It is our responsibility to cultivate and safeguard their savings,” Ms. Acosta stated. “Inspired by President Marcos Jr.’s call for governmental institutions to provide responsive social benefits, we persist in ensuring that our members receive competitive returns on their savings and access to affordable housing finance. We remain dedicated to maintaining our remarkable performance to enhance the lives of more Filipino workers,” she added.
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