ni Fely Ng - @Bulgarific | March 9, 2021
Hello, Bulgarians! Inilabas ng Pag-IBIG Fund ang net income nila noong 2020 na may halagang higit sa P30 bilyon, sa kabila ng pagbagsak ng ekonomiya dahil sa pandemya. Inanunsiyo ito ng mga ehekutibo ng ahensiya noong Miyerkules (Marso 3) sa 2020 Pag-IBIG Fund Chairman’s Report na ginanap online.
“I’m happy to report that our net income reached P31.18 billion last year, marking the fourth consecutive year that Pag-IBIG Fund's net income surpassed the P30-billion mark. Pag-IBIG Fund's strong showing despite the pandemic is a testament of how well the Filipino workers’ fund is managed. And, as we continue to support the call of President Rodrigo Duterte for government agencies to provide more social benefits to more Filipinos, we are giving back P29.40 billion, around 94% of our net income, to members in the form of dividends,” anunsiyo ni Sec. Eduardo D. del Rosario, ulo ng Department of Human Settlements and Urban Development at miyembro ng Pag-IBIG Board of Trustees.
Sa ilalim ng Pag-IBIG Fund charter, obligado ang ahensiyang magdeklara ng minimum 70% ng kanilang annual net income bilang dividends. Inihuhulog ito sa ipon ng Pag-IBIG members. Nagpasya ang Pag-IBIG Fund Board na ideklara ang 93.68% ng kanilang kita — mas malaki sa kinakailangan at pinakamalaking deklarasyon sa kasaysayan ng ahensiya — para magbigay ng tulong sa mga miyembro ngayong pandemya, ayon kay del Rosario.
Sa ganitong paraan, makakakuha ng mas malaking profit mula Pag-IBIG savings. Dagdag pa ni del Rosario, 5.62% ang magiging dividend rate sa Pag-IBIG Regular Savings, habang 6.12% naman ang sa Modified Pag-IBIG (MP2) Savings.
“Again, we have achieved yet another ‘highest ever’ in 2020. With dividends payout set at 93.68% of our P31.38 billion net income exclusive of net foreign exchange loss, it’s the highest dividend payout ratio in Pag-IBIG’s history. It's also the highest dividend payout ratio our Pag-IBIG Fund Board can declare while still maintaining our target Capital Adequacy Ratio. Considering the challenges that we faced last year, achieving over P31 billion in net income is an achievement in itself. With such earnings and the dividend approval by our Board, we are extending the most benefit to our members without risking the strong financial standing of the Fund, especially during these difficult times,” pahayag ni Pag-IBIG Fund Chief Executive Officer Acmad Rizaldy P. Moti.
Ayon kay Moti, nasa 15% ang Capital Adequacy Ratio (CAR) ang Pag-IBIG — mas mataas sa 10% na standard ng Bangko Sentral ng Pilipinas (BSP) para sa banking industry. Hindi kontrolado ng BSP ang Pag-IBIG, pero paliwanag ni Moti, sinisigurado nilang mataas ang CAR ng ahensiya. Kasama na ang buffer para sa mga problemang pang-ekonomiya. Dahil dito, protektado ang kontribusyon ng mga miyembro, at matatag ang pang-pinansiyal na sitwasyon ng Pag-IBIG.
Nagpasalamat din si Moti sa mga borrower na nagbayad ng loan noong nakaraang taon, sa kabila ng economic shutdown. Noong 2020, P46.65 bilyon ang total ng home loan payments. P56.17 bilyon naman ang total ng cash loan payments, kaya walang tinag ang fiscal position ng ahensiya.
“We would like to thank our borrowers for continuously honoring their loan obligations despite the pandemic. The strong financial standing of Pag-IBIG is a good sign because this allows us to continue funding our members' home loans and cash loans, especially now when these are needed the most. By fulfilling their obligations, they are helping Pag-IBIG Fund bring needed service to other members, while continuing to stimulate the housing industry and the economy. As we brave the months ahead, we assure our members and stakeholders that we will remain a reliable institution that they can count on, which is what we have been doing every year in the last 40 years,” dagdag ni Moti.
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