25 Other liabilities

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2007  2006 
£m  £m 
Accruals and deferred income  6,075  6,127 
Sundry creditors  4,341  4,118 
Obligations under finance leases (Note ) 83  92 
Other liabilities  10,499  10,337 

Included in the above are balances of £9,043m (2006: £9,265m) expected to be settled within no more than 12 months after the balance sheet date; and balances of £1,456m (2006: £1,072m) expected to be settled more than 12 months after the balance sheet date.

Accruals and deferred income included £102m (2006: £107m) in relation to deferred income from investment contracts and £677m (2006: £822m) in relation to deferred income from insurance contracts.