A new opinion poll has found that 39% of those surveyed think the Government's NAMA plan is the wrong approach to sort out the banking crisis.

The Millward Brown Lansdowne survey also shows that 32% think NAMA is the right approach while 29% don't know.

The survey was carried out between Monday and Thursday of this week with the bulk of polling done before Brian Lenihan unveiled the key details on the price of loans to be acquired by NAMA.

When asked who would benefit most from NAMA, 59% said banks would gain followed by developers and builders at 37%.

13% said taxpayers would benefit most, 10% said the economy, while 9% of those surveyed said Fianna Fáil would benefit. 23% cited ‘others’ and 17% said NAMA would benefit nobody.

The survey also found that people are becoming more pessimistic about the length of the recession with 27% saying it will last over five years compared with 20% in the last survey in July.

EBS chief warns of mortgage pressures

Homeowners with standard variable mortgages could face higher rates, partly because of increased costs connected to the extension of the government's bank guarantee.

The Government extended the guarantee in tandem with this week's announcement on the details of the establishment of NAMA.

EBS chief executive Fergus Murphy told RTÉ News that the building society has no immediate plans to raise its interest rate.

However, Mr Murphy warned that the more expensive guarantee, combined with falling profit margins, would put pressure on banks to increase mortgage rates.

NAMA unlikely to change ratings - Moody's

Meanwhile, credit ratings agency Moody's has said the Government's announcement about the National Asset Management Agency is unlikely at this stage to lead to rating changes for the five participating banks in the scheme.

The banks taking part in NAMA are AIB, Bank of Ireland, Irish Nationwide, EBS and Anglo Irish Bank.

Moody's said the 30% 'bad bank' discount was already included in its ratings on the banks.

However, it added it notes 'positively' that AIB plans to raise €2bn in private capital.