Banco de Brasília invests in real estate capitalization with properties from Terracap and support from the Credit Guarantee Fund.
O Bank of Brasilia announced a real estate capitalization strategy to strengthen its financial structure following developments involving Banco Master.
The proposal was sent by the Federal District Government to the Legislative Chamber last Friday in Brasília, and it foresees the use of Terracap properties as collateral for operations with the Credit Guarantee Fund.
The vote is scheduled for Tuesday, and according to the institution’s president, the measure seeks to replenish capital, preserve lending capacity, and strengthen confidence in the bank.
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“We are focused on strengthening the bank’s foundations,” he stated.
The initiative comes after the liquidation of Banco Master by the Central Bank in November 2025.
Since then, the Bank of Brasília has structured a plan to strengthen its assets, which was presented to the monetary authority two weeks ago.
Now, the bill is seen as a decisive step towards making the proposed measures viable.
Real estate capitalization at Banco de Brasília: how the strategy works
Real estate capitalization, as it’s called, doesn’t simply mean selling properties.
In practice, the assets could be transformed into financial instruments, such as securities traded on the market, or used to create a Real Estate Investment Fund (REIT).
Furthermore, Terracap’s properties may also serve as collateral in structured transactions, including those with the Credit Guarantee Fund (FGC).
According to the president of the Bank of Brasília, there is confidence in the attractiveness of these assets.
“The properties are located in prime areas of Brasília and the surrounding region, so we believe we will have strong demand,” he stated.
Therefore, the central idea is to monetize the properties, that is, to transform them into financial resources capable of strengthening the bank’s capital.
Real Estate Investment Funds are a priority in real estate capitalization.
Among the alternatives evaluated, the creation of a Real Estate Investment Fund is considered the most suitable path.
According to the president, structuring a real estate investment fund (FII) with the participation of a banking syndicate would not increase public sector debt.
This model allows investors to acquire shares of the fund, backed by the real estate.
Thus, the Bank of Brasília obtains resources without taking on new traditional debt, thereby preserving fiscal and prudential indicators.
On the other hand, the operation’s performance will depend on market demand.
When asked about a potential discount on the sale of the assets, the executive stated that this will be determined by demand.
Nevertheless, he emphasized that the portfolio offered is of high quality and in demand.
Technical criteria and independent evaluation of Terracap properties.
The selection of properties that could be included in the transaction followed strict criteria.
Factors considered included asset quality, legal compliance, absence of encumbrances, and adherence to technical requirements for acceptance as collateral.
Furthermore, the evaluation will be carried out by independent and qualified professionals.
The technical reports will follow methodologies recognized by the market, ensuring transparency and regulatory security.
Impact of real estate capitalization on credit expansion
The main objective of real estate capitalization is to strengthen the financial indicators of Banco de Brasília.
With more robust capital and replenished funding—a term referring to the sources of funds for lending—the bank expands its capacity to grant credit.
“The strengthening of assets and the replenishment of funding improve the perception of BRB’s solvency and strengthen our ability to grow prudently,” explained the president.
In practice, this could mean more funding for businesses, support for infrastructure projects, and the maintenance of credit lines for strategic sectors in the Federal District.
Thus, the bank preserves its role as an agent of regional development.
Legal certainty and judicial deposits remain guaranteed.
Amid the restructuring process, questions arose regarding court-ordered deposits.
The National Inspector General of Justice, Minister Mauro Campbell, requested clarifications from five Courts of Justice regarding amounts deposited in the bank.
Regarding the matter, the president was categorical: “Yes, BRB continues to rigorously fulfill all its contractual and regulatory obligations, without any impact on the execution of judicial deposit contracts or the operation of the judicial Pix system.”
In this way, the bank reinforces that real estate capitalization does not compromise the security of the resources under its management.
Image rebuilding and a new era for Banco de Brasília.
Following the incident involving Banco Master, the institution is also working to restore its image.
“Through actions, not just words: strong governance, enhanced controls, transparency, cooperation with authorities, accountability where applicable, and a focus on the customer and solidity.”
Trust is rebuilt through consistency and continuous delivery.
Furthermore, the executive envisions a future of sustainable growth.
“The future I envision for BRB is that of a solid, sustainable institution, prepared to grow responsibly.”
The expectation is that the presentation of the financial report, scheduled for March 31st, will symbolize a turning point.
Thus, the goal is to demonstrate transparency, strengthen controls, and implement a structured plan to enhance assets.
Meanwhile, real estate capitalization, with support from Terracap, the Real Estate Investment Fund, and the Credit Guarantee Fund, emerges as the main strategy to ensure stability, expand credit, and reaffirm the strategic role of Banco de Brasília in the economy of the Federal District.
See more at: ‘We will have strong demand for real estate’, says the president of BRB.
