Pag-IBIG posts record dividends, raises savings returns

Pag-IBIG Fund declared the dividend rate for Regular Savings increased to 6.62 percent, while the Modified Pag-IBIG 2 (MP2) savings program posted a higher 7.12 percent return, reflecting the agency’s solid financial position. 

Announced during the Pag-IBIG Fund Chairman’s Report on 27 February at the Philippine International Convention Center in Pasay City, the new dividend rates mark 0.02 percent respective increases each from the previous year. 

Pag-IBIG offers two main savings programs – Regular Savings (Pag-IBIG I) and MP2 Savings. Regular Savings is the mandatory contribution made by employees, employers, or self-employed members. These monthly contributions build a long-term fund that earns annual dividends and helps members qualify for benefits such as housing loans, calamity loans, and retirement payouts. 

On the other hand, MP2 Savings, or Modified Pag-IBIG II, is a voluntary program available to active members who want to save more. It usually offers higher dividend rates than the regular program and has a five-year maturity period. Many members use MP2 as a low-risk way to grow extra savings.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the record dividend declaration highlights the agency’s strong fiscal management and commitment to growing members’ savings.

“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 Program.”

The agency reported P65.28 billion in net income, supported by strong housing loan performance, record membership savings collections, and higher investment earnings. The agency returned 98.6 percent of its net income to members in the form of dividends, exceeding the minimum payout required under its charter. 

By law, Pag-IBIG distributes at least 70 percent of its annual net income to members as dividends. 

Pag-IBIG Chief Executive Officer Marilene C. Acosta said the agency’s sustained growth allowed it to deliver strong returns while continuing to provide affordable home financing.

“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.”

Pag-IBIG also reported it released a record P140.54 billion in housing loans, financing 90,727 homes nationwide. Membership savings collections also reached an all-time high of P160.41 billion, driven largely by voluntary contributions.

The agency earlier reported its investment income surged nearly 50 percent to P9.43 billion in 2025, boosting the agency’s financial position and supporting its housing and savings programs. 

The stronger earnings helped lift Pag-IBIG Fund’s total assets to P1.23 trillion by year-end 2025. Its gross investment portfolio also rose to P190.13 billion, up P55.27 billion or 41 percent from year-end 2024.

Housing-related assets accounted for P922.07 billion of Pag-IBIG’s total assets, while P96.41 billion were short-term loans. Income-generating investments stood at P190.00 billion, with P25.98 billion in other assets such as property and equipment, cash and intangible assets.