Pag-Ibig declares record P64.34B dividends for 2025 

Pag-Ibig Fund declared the highest dividend payout in its 45-year history, announcing P64.34 billion in dividends for 2025.

Its Regular Savings dividend rate rose to 6.62 percent, while the Modified Pag-Ibig 2 (MP2) Savings rate climbed to 7.12 percent, 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 in Pasay City.

Human Settlements and Urban Development Secretary Jose Ramon 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,’’ he added.

P65.3B net income

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

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-percent 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 percent of its annual net income to members in the form of dividends.

90K housing units

Pag-Ibig Fund Chief Executive Officer Marilene 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.

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

“When Pag-Ibig performs well, our members benefit the most,” 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.”

She encouraged members to create their Virtual Pag-Ibig accounts to conveniently view their updated balances.

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