Pag-IBIG Fund Announces Record PHP64.34 Billion Dividends for 2025
The Pag-IBIG Fund has made a groundbreaking announcement, revealing a record-breaking PHP64.34 billion in dividends for the year 2025. This achievement marks the highest dividend declaration in the agency's 45-year history, showcasing its robust financial health and strategic fiscal management. The announcement was made on Friday, highlighting a significant milestone for the institution and its millions of members across the Philippines.
Increased Dividend Rates for Savings Programs
In line with this record payout, Pag-IBIG Fund has raised the dividend rates for both its Regular Savings and Modified Pag-IBIG 2 (MP2) Savings programs. The Regular Savings dividend rate has been increased to 6.62 percent, while the MP2 Savings rate has climbed to an impressive 7.12 percent. These adjustments reflect the agency's solid fiscal position and its commitment to delivering sustainable earnings to its members, ensuring that their savings grow substantially year after year.
Strong Financial Performance and Prudent Management
Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Fund Board of Trustees, emphasized that this record dividend declaration underscores the agency's prudent fiscal management. "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 stated. He added that the agency reaffirms its role as the country's leading institution for housing finance and savings, enabling it to provide higher earnings on members' savings while maintaining affordable housing loans under the Expanded Pambansang Pabahay Para sa Pilipino (Expanded 4PH) Program.
Aliling further noted, "In doing so, we stand firmly with President Ferdinand R. Marcos Jr.'s call to uplift the lives of more Filipinos." This alignment with national goals highlights Pag-IBIG's contribution to economic development and social welfare through its financial services.
Key Drivers of Record Net Income
The agency's financial success in 2025 was driven by several key factors, resulting in a net income of PHP65.28 billion. The primary contributors include:
- Strong housing loan performance: Pag-IBIG released a record PHP140.54 billion in housing loans, financing 90,727 housing units.
- Sustained performing loans ratio: This ensured stable revenue streams and minimized financial risks.
- Record-high membership savings collections: Total collections reached an all-time high of PHP160.41 billion, largely fueled by voluntary savings.
- Higher investment earnings: Strategic investments bolstered the agency's overall profitability.
The PHP64.34-billion dividends represent a 98.6-percent payout ratio, exceeding the minimum 70 percent required by law while maintaining a healthy capital adequacy ratio. This demonstrates Pag-IBIG's dedication to maximizing returns for its members without compromising financial stability.
Leadership Insights and Member Benefits
Pag-IBIG Fund Chief Executive Officer Marilene Acosta highlighted that the record dividend payout was supported by sustained growth across key performance indicators. "[This is] the highest in our history. With that, let us just compute how many jobs, how many families joined and what they did for our economy," she remarked, emphasizing the broader economic impact of the agency's activities.
Acosta further explained, "When Pag-IBIG performs well, our members benefit the most. This year’s dividend rates of 6.62 percent for Regular Savings and 7.12 percent for MP2 Savings reflect our continuing commitment to safeguard members’ contributions and ensure they earn strong returns year after year." She added that dividends for Regular Savings and returns for MP2 Savings will be credited to members' accounts in the coming days, and encouraged members to create virtual Pag-IBIG accounts to view their updated balances conveniently.
Expanding Services and Outreach
Pag-IBIG Fund continues to expand its services to better serve the Filipino public. To date, the agency operates 216 service branches nationwide, ensuring accessibility for members. In 2025, it approved 3,752,364 cash loans, representing a 17 percent increase from the previous year. Additionally, its Loyalty Card Plus Program has grown to include 12.54 million cardholders, who enjoy discounts from over 500 partner establishments.
The Lingkod Pag-IBIG on Wheels initiative also saw significant activity, with 977,899 transactions and assistance provided to 66,354 individuals in 2025. These efforts underscore Pag-IBIG's commitment to innovation and community support, making financial services more inclusive and responsive to member needs.
Overall, Pag-IBIG Fund's record-breaking dividends and enhanced savings rates in 2025 highlight its pivotal role in promoting financial security and housing affordability for Filipinos, backed by strong leadership and strategic fiscal policies.
