pre_text: 5. Creditors Accounting policies Capital market and bank borrowings Interest-bearing loans and overdrafts are initially measured at fair value (which is equal to cost at inception) and are subsequently measured at amortised cost using the effective interest rate method, except where they are identified as a hedged item in a designated hedge relationship. Any difference between the proceeds net of transaction costs and the amount due on settlement or redemption of borrowings is recognised over the term of the borrowing Notes: 1 Amounts owed to subsidiaries are unsecured, have no fixed date of repayment and are repayable on demand. Included in amounts falling due after more than one year are other loans of €31,157 million which are due in more than five years from 1 April 2019 and are payable otherwise than by instalments. Interest payable on these loans ranges from 0.375% to 7.875%. Details of bond and other debt issuances are set out in note 20 “Borrowing and capital resources” in the consolidated financial statements
table: 2019 2018
table: €m €m
table: Amounts falling due within one year:
table: Bank loans and other loans 4,835 8,367
table: Amounts owed to subsidiaries1 232,896 220,625
table: Derivative financial instruments 463 229
table: Taxation payable – 9
table: Other creditors 945 120
table: Accruals and deferred income 66 46
table: 239,205 229,396
table: Amounts falling due after more than one year:
table: Deferred tax 17 –
table: Other loans 46,208 32,199
table: Derivative financial instruments 1,924 2,133
table: 48,149 34,332
question: Analyse this data from a financial earnings document. What is the 2019 average total amount falling due within one year ?