Sony at greater risk than Panasonic in electronics downturn: Fitch

TOKYO (Reuters) - Panasonic Corp has a better chance than rival Sony Corp of

surviving Japan's consumer electronics slump because of its unglamorous but

stable appliance business of washing machines and fridges, credit rating agency

Fitch said Friday.

Fitch cut Panasonic's rating by two notches to BB and Sony three notches to BB

minus on Thursday, the first time one of the three major ratings agencies have

put the creditworthiness of either company into junk-bond territory.

Rival agencies Moody's and S&P rate both of Japan's consumer electronic giants

at the same level, just above junk status. Moody's last cut its rating on

Panasonic on Tuesday.

Panasonic "has the advantage of a relatively stable consumer appliance business

that is still generating positive margins", Matt Jamieson, Fitch's head of

Asia-Pacific, said in a conference call on Friday to explain its ratings

downgrades.

But at Sony, he added, "most of their electronic business are loss making, they

appear to be overstretched."

Japan's TV industry has been bested by cheaper, more innovative models from

Samsung Electronics and other foreign rivals, while tablets and smartphones

built by Apple Inc have become the dominant consumer electronics devices.

Investors are focusing on the fate of Sony and Panasonic after another

struggling Japanese consumer electronics firm, Sharp Corp, maker of the Aquos

TV, secured a $4.6 billion bail-out by banks including Mizuho Financial Group

and Mitsubishi UFJ Financial Group.

Sony and Panasonic have chosen divergent survival paths.

Panasonic, maker of the Viera TV, is looking to expand its businesses in

appliances, solar panels, lithium batteries and automotive components.

Appliances amount to around only 6 percent of the company's sales, but they

generate margins of more than 6 percent and make up a big chunk of operating

profit.

Sony, creator of the Walkman, is doubling down on consumer gadgets in a bid to

regain ground from Samsung and Apple in mobile devices while bolstering digital

cameras and gaming.

The latest downgrades will curtail the ability of both Japanese companies to

raise money in credit markets to help fund restructurings of their business

portfolios.

For now, however, that impact is limited, given the support Panasonic and Sony

are receiving from their banks.

In October, Panasonic, which expects to lose $10 billion in the year to March

31, secured $7.6 billion of loan commitments from banks including Sumitomo

Mitsui Financial Group and Mitsubishi UFJ, a financing backstop it says will

help it avoid having to seek capital in credit markets.

Sony, which has forecast a full-year profit of $1.63 billion helped by the sale

of a chemicals business to a Japanese state bank, announced plans to raise $1.9

billion through a convertible bond before the latest rating downgrade.

Thomson Reuters' Starmine structural model, which evaluates market views of

credit risk, debt levels and changes in asset values gives Panasonic and Sony

an implied rating of BB minus. Sharp's implied rating is three notches lower at

B minus.

Standard & Poor's rates Panasonic and Sony at BBB, the second lowest of the

investment grade, while Moody's Investors Service has them on Baa3, the lowest

of its high-grade category. Moody's has a negative outlook for both firms while

S&P sees a stable outlook for Panasonic and a negative one for Sony.

Stock markets in Japan were closed on Friday for a national holiday.

(Reporting by Tim Kelly; Editing by Mark Bendeich)