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Jesus continues telling his parable.
that I am a severe man, taking up…
The nobleman was repeating what the servant had said about him. He was not saying that it was true.
a severe man
"a harsh man"
Why did you not put my money
This starts a rhetorical question. It is used as a rebuke. It can be translated as "You should have put my money." (See: rc://en/ta/man/translate/figs-rquestion)
put my money in the bank
This can be translated as "lent my money to a bank." Cultures that do not have banks might translate it as "let someone borrow my money."
bank
A bank is a business that safely holds money for people. Banks lend that money to others for a profit. Therefore it pays an extra amount, or interest, to the people who keep their money in the bank.
I would have collected it with interest
This can be translated as "I could have collected that amount plus the interest it would have earned" (UDB) or "I would gain a profit from it."
interest
Interest is money that a bank pays people who put their money in the bank.