Luke 19:20 - Albert Barnes' Notes on the Bible

A napkin - A towel. He means by it that he had not wasted it nor thrown it by carelessly, but had been “very careful” of it; so much so as to be at the pains to tie it up in a towel and put it in a safe place, as if he had been “very faithful” to his trust. So many people employ their talents, their learning, their property, their influence. They “have” them; they “keep” them; but they never “use” them in the service of the Lord Jesus; and, in regard to their influence on the church or the world, it would be the same if God had never conferred on them these talents.