(UPDATE) THE Home Development Mutual Fund, also known as the Pag-IBIG Fund, declared P64.34 billion in dividends for 2025 during their Chairman’s Report event, which was held at the Philippine International Convention Center in Pasay City on Friday.
In a statement, Pag-IBIG said the amount was the highest dividend payout in its 45-year history, with its regular savings dividend rates rising to 6.60 percent, while its Modified Pag-IBIG 2 (MP2) Savings rate climbed to 7.12 percent, which were higher rates in contrast to its 2024 rates, which were 6.60 percent for regular savings and 7.10 percent for MP2 Savings.
It declared P64.34 billion in dividends for the year, which the agency said is equivalent to a 98.6 percent payout ratio “that exceeded the minimum required under its charter, while maintaining a healthy capital adequacy ratio.”
Housing Secretary and Pag-IBIG Fund Board of Directors chairman Jose Ramon Aliling said the new 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.”
He also said 2025 marks Pag-IBIG’s best-performing year, having declared the highest amount of dividends in its 45-year history.
“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,” Aliling said.
“In doing so, we stand firmly with President Ferdinand Marcos Jr.’s call to uplift the lives of more Filipinos.... We will remain steadfast in building a strong, secure, and inclusive Pag-IBIG Fund that helps more hardworking Filipinos move closer to home ownership under a Bagong Pilipinas (New Philippines),” he added.
For 2025, the Pag-IBIG Fund tallied 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.
According to Pag-IBIG Chief Executive Officer Marilene Acosta, the agency released a “record” P140.54 billion in housing loans, which financed 90,727 housing units, while 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.... 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. Our members deserve nothing less than the highest level of public service and the most responsible management of their hard-earned savings,” Acosta said.
“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.... We encourage our members to create their Virtual Pag-IBIG accounts to conveniently view their updated balances,” she added.
