Pag-IBIG announces record ₱64.34B dividend for 2025; regular savings earn 6.62%, M₱2 yields 7.12%

Members of the Home Development Mutual Fund or Pag-IBIG Fund should expect higher returns in their mandatory and voluntary savings as officials announced on Friday higher dividend rates for 2025.

During the Pag-IBIG Chairman’s Report 2025 event in Pasay City, Pag-IBIG CEO Marilene Acosta declared a dividend of P64.34 billion for the year, equivalent to a 98.6% payout ratio which exceeded the minimum 70% return of its annual net income to members.

“This is the highest [dividend] in our history,” Acosta said.

The dividend declaration came on the back of a net income of P65.8 billion.

Also during the event, Acosta and Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, announced the dividend rate for regular savings at 6.62%, higher than the 6.60% set in 2024, as well as the yield for Modified Pag-IBIG 2 (MP2) savings at 7.12%, up from 7.10% in the prior year.

Pag-IBIG is mandated to generate savings through membership in an integrated nationwide savings system and mobilize the provident funds of its members for housing purposes.

“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,” said the Housing chief.

In 2025, members’ contributions hit a record high of P160.41 billion, up 21% year-on-year, with voluntary contributions amounting to P93.6 billion, surpassing mandatory contributions of P66.80 billion. 

Investment income likewise grew 50% to P9.43 billion, backing its overall financial health with total assets amounting to P1.23 billion.—LDF, GMA Integrated News