1) A formal legal document.

See also:

negotiable instrument.

2) A tool that is used by a government in achieving its macroeconomic targets. For example, interest rates and the money supply may be considered instruments in the pursuit of stable prices, while government expenditure and taxation may be considered instruments in the pursuit of full employment.

3) A financial services product.

• starting rate of income tax
• start-up
• start-up costs
• state banks
• State Earnings-Related Pension Scheme
• statement of affairs
• Statement of Auditing Standards
• statement of changes in financial position
• statement of movements in shareholders' funds
• Statement of Recommended Practice
• statement of source and application of funds
• Statement of Standard Accounting Practice
• statement of total recognized gains and losses
• static gap
• static risk
• status enquiry
• statute-barred debt
• statutory accounts
• statutory audit
• statutory books
• statutory company
• statutory damages
• statutory meeting
• statutory report
• stealth tax