31.   Banks that focus on consumer lending, such as NationsBank, are posting among the biggest gains in net income in this round of industry earnings.

32.   Bezos said the company aims to announce next year when it will become profitable on a standard net income basis.

33.   BNP Paribas reported robust nine-month profits, though net income for the third quarter was off a bit from the quarter before.

34.   -- Q-Zar Inc., which said today it reported record revenues and net income for the fourth consecutive quarter and year.

35.   After all, fewer shares should translate into higher earnings per share, assuming net income does not fall.

36.   All the same, rapid growth in the industry may offset the fall in margins, preventing net income from declining, Tolosa said.

37.   All banks except Al Jazira Bank reported increases in net income in the first quarter.

38.   Brewer Bavaria SA and Banco de Bogota SA led the surge after reporting higher-than-expected net income in second quarter.

39.   But the company said its net income was pushed up by one-time items, including the previously announced sale of a subsidiary that makes programmable semiconductor chips.

40.   Chase Manhattan says net income fell.