When I talk indirectly about a group of people, I tend to use 'folks' a lot. In professional settings, I would call people 'sir' or 'ma'am' if I don't know their name, and if I do know their name I'd call them by their last name with a proper salutation.

Bermudians have a general term they use for guys and girls in informal situations, usually when trying to get their attention. "Hey bye" (like 'boy', rather than 'good-bye') is used for calling and greeting males. I guess it's similar to saying 'Hey man'. For females, the term "ace girl" is used in a similar matter, but is also applied as a label for a female friend. So you could say 'she's my ace girl', but not 'he's my bye'.

The term 'mate' is used less frequently than 'bye' or 'ace girl', but still quite common.