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Manila Bulletin devider Philippines devider National devider Pag-IBIG Fund declares record P64.34-B dividends for 2025

Pag-IBIG Fund declares record P64.34-B dividends for 2025

Published Feb 27, 2026 05:23 pm
Regular Savings rate rises to 6.62%, MP2 climbs to 7.12%

Pag-IBIG Fund declared the highest dividend payout in its 45-year history, announcing

P64.34 billion in dividends for 2025.

Regular Savings dividend rate also rose to 6.62%, while the Modified Pag-IBIG 2 (MP2) Savings rate climbed to 7.12%, reflecting the agency’s solid financial position and strong operational performance.

The announcement was made during the Pag-IBIG Fund Chairman’s Report held on

Feb. 27 at the Philippine International Convention Center (PICC) in Pasay City.

Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon P.

Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the record dividend

declaration reflects the agency’s sound fiscal management and its commitment to return

strong, sustainable earnings to members by growing their savings year after year.

“Pag-IBIG Fund has once again marked 2025 as one of its best-performing years, as we declared

the highest amount of dividends in our 45-year history,” Aliling said. “This past year, we

reaffirmed Pag-IBIG Fund’s role as the country’s leading institution for housing finance and

savings. Our strong performance enabled us to deliver higher earnings on members’ savings

while keeping our housing loans affordable under the Expanded Pambansang Pabahay Para sa

Pilipino (Expanded 4PH) Program. We will keep Pag-IBIG Fund’s growth sustainable, our

programs affordable, and above all, ensure that members receive the benefits they have rightfully

earned and truly deserve.”

“In doing so, we stand firmly with President Ferdinand R. Marcos Jr.’s call to uplift the lives of

more Filipinos,” he added. “We will remain steadfast in building a strong, secure, and inclusive

Pag-IBIG Fund that helps more hardworking Filipinos move closer to homeownership under a

Bagong Pilipinas.”

In 2025, Pag-IBIG Fund posted P65.28 billion in net income, supported by strong

housing loan performance, a sustained performing loans ratio, record-high membership

savings collections, and higher investment earnings. The agency declared P64.34 billion

in dividends for the year, equivalent to a 98.6% payout ratio that exceeded the minimum

required under its charter, while maintaining a healthy capital adequacy ratio. By law,

Pag-IBIG Fund returns at least 70% of its annual net income to members in the form of

dividends. The results reflect the agency’s strong financial position and its continued

effort to deliver the highest possible returns for members.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the record dividend

declaration was supported by the agency’s sustained growth, allowing it to deliver

strong returns for members while keeping home financing affordable. In 2025, she said,

Pag-IBIG Fund released a record P140.54 billion in housing loans, financing 90,727

housing units. Total membership savings collections, meanwhile, reached a record

P160.41 billion, driven mainly by members’ voluntary savings.

“When Pag-IBIG performs well, our members benefit the most,” Acosta said. “This year’s

dividend rates of 6.62% for Regular Savings and 7.12% for MP2 Savings reflect our continuing

commitment to safeguard members’ contributions and ensure they earn strong returns year after

year. Our members deserve nothing less than the highest level of public service and the most

responsible management of their hard-earned savings.”

“We will begin crediting dividends on the Pag-IBIG Regular Savings and returns on MP2

Savings to members’ accounts, and members can expect to see these reflected in the coming days,”

Acosta said. “We encourage our members to create their Virtual Pag-IBIG accounts to

conveniently view their updated balances.”

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