P639.58-B in loans unlocked as state guarantees de-risk private capital
State-owned Philippine Guarantee Corporation (PHILGUARANTEE) records a cumulative guaranteed gross loan portfolio of P639.58 Billion, a 15.4% increase from 554.06 Billion in 2024. This growth followed the merger of the Philippine Export-Import Credit Agency (PhilEXIM) and the Home Guaranty Corporation, along with the transfer of guarantee functions and funds from the Small Business Corporation. This new structure also places the Agricultural Guarantee Fund Pool and the Industrial Guarantee and Loan Fund under a unified management.
The performance of the credit guarantee portfolio reflects development financing support in various sectors, including housing (P521.08 Billion), MSMEs (P13.31Billion), and PHILGUARANTEE funds, such as the Agriculture Guarantee Fund Pool (P29.94 Billion), and Abot-Kaya Pabahay Fund (P75.25 Billion).
As of end-December 2025, PHILGUARANTEE’s year on year value of outstanding guarantees amounted to P310.60 Billion. New enrollments for 2025 reached P85.52 Billion.
The number of beneficiaries from the Corporation’s credit guarantee programs also increased, reaching a cumulative total of 1,039,255 in 2025, up from 928,308 in 2024. This represents a 12% rise, indicating more Filipinos are gaining access to financial assistance through credit supplementation.
PHILGUARANTEE has likewise evaluated and processed a cumulative total of P1.74 Billion in loan guarantee claims.
For year 2025, PHILGUARANTEE expanded its reach through strategic partnerships with Partner Lending Institutions (PLIs), working with a total of 202 active PLIs nationwide. These include rural banks, universal or commercial banks, thrift banks, cooperative banks, cooperatives, non-government organizations, farmers or fisherfolk associations, people’s organizations, housing developers or builders, loan associations, microfinance, and other lending Institutions.
As the Principal Agency for State Guarantee Finance of the Philippines, PHILGUARANTEE is mandated to perform development financing roles through the provision of credit guarantees to support trade and investments, exports, infrastructure, energy, tourism, agriculture, and other priority sectors of the economy.
From: Strategy Management and Communications Department
