Group 1 - Ghana's trade surplus increased to $6.2 billion in the first eight months of the year, supported by strong gold exports and higher cocoa revenues [1] - As of August, Ghana's international reserves reached $10.7 billion, sufficient to cover approximately 4.5 months of imports [1] - The banking sector remains stable and improving, with a capital adequacy ratio (excluding exemptions) rising to 19.5% by July 2025 [1] Group 2 - The non-performing loan ratio stands at a high of 21.7%, but can be reduced to 8.4% when excluding fully provisioned losses, indicating resilience in the banking sector due to capital restructuring and strict underwriting practices [1] - The fiscal deficit for the first half of the year was controlled at 0.7% of GDP, below the target, contributing to a decrease in the public debt ratio by mid-year [1]