The Answers With Berna Romulo Puyat
As Deputy Governor at the Bangko Sentral ng Pilipinas, Berna Romulo Puyat focuses on how regular people handle money every day. She oversees regional operations, financial education, financial inclusion, and consumer protection, among others. It means making sure cash reaches every part of the country, while also bringing more Filipinos into the financial system, whether through banks or e-wallets. (Article continues after the video.)
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“At the end of the day, the only way for a country to improve is for its people to know what to do with their money, to know how to save, to have a bank account,” she says.
Berna brings decades of public service to the role. She previously taught at the University of the Philippines, served as Undersecretary at the Department of Agriculture, and later as Secretary of the Department of Tourism, traveling across the country to work with local governments to develop tourist spots and support new destinations.
In that role, she was very much the public face of Philippine tourism.
“I actually enjoy this job more, just doing the work, without all the socials,” she says. “I’m really an introvert, so after work, I head home. I like staying in with my dogs.”
She also encourages more women to enter government.
“We’re one of the few countries in the world with more women leaders than men,” she says. “In public service, it’s not enough to just do your job. You need empathy, to understand what the people you serve really need. That’s why we need more women in public service.”
What’s the first thing you do when you wake up in the morning?
Press the snooze button.
Do you have a uniform for certain occasions?
No matter the occasion, I love wearing locally made clothes.
Favorite clothes to wear?
Anything black because it’s a classic color.
What apps do you use the most?
WhatsApp, Viber, and Pokémon Go when I’m stuck in traffic.
What do you do that’s still analog?
I still prefer writing notes in a notebook during meetings. It helps me to remember key points better than typing them on my phone or iPad.
What advice do you wish you’d followed?
To worry less about what other people think.
What do you most crave at the end of the day?
Comfort food like sisig, turon, or sweet spaghetti.
Who is your dealer and what do they source for you?
I don’t really have a dealer. I usually discover things on my own.
What is your exercise routine and how often do you do it?
The ones given to me by my late husband, Dave.
What is your most prized possession?
Family photographs, especially those from vacations with my late husband and our kids. They remind me of what truly matters.
What’s the best advice you’ve ever been given?
Happiness is a choice.
Which place in the Philippines do you think deserves more attention?
Many places, but Siquijor and Dumaguete come to mind.
Where in the Philippines do you go when you want to completely switch off?
Anywhere, as long as I’m with my loved ones.
Favorite city outside the Philippines?
Tokyo or Seoul.
Favorite hotel?
The Henry.
I try to walk the dogs every day for about 30 minutes and then use the stationary bike for another 30 minutes.
How do you find calm?
Spending time with my dogs and staying at home.
Who is your guru?
My parents.
What’s your favorite cocktail?
I don’t drink. If it’s a mocktail, anything sweet.
What’s the most impressive dish you cook?
I don’t cook, but I used to bake chocolate crinkles.
What do you collect?
I’ve started collecting miniature chairs.
What’s the most recent addition to your collection?
A Tangerine Bloom miniature chair by Cobonpue.
What is the most recent thing you regret not buying?
I always regret not buying things when they’re on sale.
What was the first artwork you bought?
An Amorsolo painting.
If you could learn a new skill, what would it be?
Using AI tools more effectively. I’m curious about how they can help analyze information and improve the way we work.
How many watches do you own?
I have a few, but I haven’t worn them since the pandemic.
Which one’s your favorite?
The ones given to me by my late husband, Dave.
What is your most prized possession?
Family photographs, especially those from vacations with my late husband and our kids. They remind me of what truly matters.
What’s the best advice you’ve ever been given?
Happiness is a choice.
Which place in the Philippines do you think deserves more attention?
Many places, but Siquijor and Dumaguete come to mind.
Where in the Philippines do you go when you want to completely switch off?
Anywhere, as long as I’m with my loved ones.
Favorite city outside the Philippines?
Tokyo or Seoul.
Favorite hotel?
The Henry.
Favorite resort?
El Nido Resorts.
If you could go anywhere now, where would you go?
Honestly, I just love staying at home.
What’s always in your hand luggage?
My passport, wallet, phone, iPad, medicines, toiletries and an extra set of clothes in case my luggage gets lost.
What are you reading right now?
I’m reading “Financial Technology Adoption: Network Externalities of Cashless Payments” by Sean Higgins in the American Economic Review.
What subject could you talk about for hours?
BTS and my dogs.
What is the best financial advice you ever received?
Diversify.
What do you think people misunderstand about money?
That having more money automatically means more happiness.
What is something money can’t buy that you value deeply?
Time with family. Money can buy many things, but it
What trait in yourself are you still working on?
I can be too honest, so I’m learning to be more diplomatic.
What car are you most attached to?
Right now, my hybrid car.
Drive or be driven?
Driven.
Last box set or Netflix binge?
I’ve been binge watching Shrinking.
Bowie or Dylan?
cannot buy time, love, or the memories we share with the people who matter most.
What’s worth paying for?
Peace of mind.
How much do you trust your gut instinct?
One hundred percent.
Who do you admire the most in the world?
My parents.
What trait do you admire most in other people?
Integrity.
What trait in yourself are you still working on?
I can be too honest, so I’m learning to be more diplomatic.
What car are you most attached to?
Right now, my hybrid car.
Drive or be driven?
Driven.
Last box set or Netflix binge?
I’ve been binge watching Shrinking.
Bowie or Dylan?
Bowie, mainly because his songs were very popular in the 80s when I was in high school.
What song is currently in your head?
“Permission to Dance” by BTS.
What kind of music makes you happy?
Any song by BTS.
This article originally appeared in Robb Report Philippines’ Muse Issue, July 2026.