Pag-IBIG Fund Posts Highest-Ever Dividend Rates in 2025

Pag-IBIG Fund has declared the highest dividend payout in its 45-year history, announcing ₱64.34 billion in dividends for 2025, a milestone that underscores the agency’s strong financial position and commitment to its members. The Regular Savings dividend rate rose to 6.62%, while the Modified Pag-IBIG 2 (MP2) Savings rate climbed to 7.12%, marking record-high returns for Filipino savers.

The announcement was made during the Pag-IBIG Fund Chairman’s Report at the Philippine International Convention Center. Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, emphasized that the record dividend declaration reflects sound fiscal management and the agency’s dedication to delivering sustainable earnings.

“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. “Our strong performance enabled us to deliver higher earnings on members’ savings while keeping housing loans affordable under the Expanded Pambansang Pabahay Para sa Pilipino Program.”

Strong Financial Results

In 2025, Pag-IBIG Fund posted ₱65.28 billion in net income, supported by:

– Robust housing loan performance
– Sustained performing loans ratio
– Record-high membership savings collections of ₱160.41 billion
– Higher investment earnings

By law, the Fund returns at least 70% of its annual net income to members in the form of dividends. The 2025 payout ratio reached 98.6%, far exceeding the minimum requirement, while maintaining a healthy capital adequacy ratio.

Housing and Savings Growth

Chief Executive Officer Marilene C. Acosta highlighted that the record dividend declaration was driven by sustained growth across operations. Pag-IBIG Fund released ₱140.54 billion in housing loans, financing 90,727 housing units, a record in its history.

“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.”

Members can expect dividends to be credited to their accounts in the coming days, with the agency encouraging the use of Virtual Pag-IBIG accounts for convenient access to updated balances.