A.T. Robertson Commentary Matthew 25:24

"And he also that had received the one talent came and said, Lord, I knew thee that thou art a hard man, reaping where thou didst not sow, and gathering where thou didst not scatter;" — Matthew 25:24 (ASV)

That had received the one talent (ο το ταλεντον ειληφως). Note the perfect active participle to emphasize the fact that he still had it. In verse 20 we have ο--λαβων (aorist active participle).

I knew thee (εγνων σε). Second aorist active indicative. Experimental knowledge (γινωσκω) and proleptical use of σε.

A hard man (σκληρος). Harsh, stern, rough man, worse than αυστηρος in Lu 19:21, grasping and ungenerous.

Where thou didst not scatter (οθεν ου διεσκορπισας). But this scattering was the chaff from which wheat was winnowed, not the scattering of seed.