When characters speak within a story, it is known as "dialogue." When a character tells a story, it is called "narration."
Characterization
A person in a story is called a character. Characters can be protagonists, antagonists, or supporting characters who drive the plot and interact with each other to create the narrative.
Who are the characters of the story
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You are speaking about the climax of the story.
characters
The setup of a story is called the exposition. It introduces the main characters, setting, and conflict of the story.
You are speaking about the climax of the story.
characters
The narrator is the one speaking. You tell who the narrator is by paying attention to what the other characters say and do toward the narrator. Sometimes the narrator is not a character in the story at all, but is more like a camera or someone else watching the action - that's called third-person narration and is very common in fiction stories.
They are called characters.
It is called dialogue.
The crossed-love characters in the musical are called Maria and Tony.