23. Loans and other financial liabilities, including derivatives This note contains information concerning the contractual stipulations for the Group's interest-bearing loans and other financial liabilities, which are measured at amortised cost.(in millions of euros)December 31, 2016December 31, 2015Non-Current liabilities Private loans240339Finance lease liabilities4759Interest rate swaps used for hedging317Commodity derivatives324Total293439 Current liabilities Private loans74454Finance lease liabilities- 18Interest rate swaps used for hedging- - Commodity derivatives317Total77489 Total liabilities370928The private loans include a debt owed by NS Reizigers to the Ministry of Infrastructure and the Environment of €246 million (2015: €278 million) associated with the deferred payments of concession fees. Of that sum, € 206 million has been included under non-current liabilities, for the proportion that is due to be paid after 2017. The portion that will be paid in 2017 (€40 million) is recognised in current liabilities. The interest rate is fixed at 3.027%. The terms and conditions of the loan were agreed in more detail as of 1 January 2015 in the new main rail network concession.The finance lease liabilities have a gross liability of €91 million and a apllied discount rate of 2.5%.The Group's liquidity risks, currency risks and interest rate risks associated with the loans and other financial liabilities are explained in more detail in note 30.