21 Other creditors – amounts falling due after one year
  2004
£m		 2003
£m
Payments received on account1 118 120
Amounts owed to – subsidiary undertakings — —
Amounts owed to – joint ventures 25 25
Other creditors 128 51
Accruals and deferred income 269 230
  540 426
 
1 Includes payments received from joint ventures 19 33