First, compute the effective torque at the wheels by multiplying the engine torque by the gear ratio and transmission efficiency:
\[
T_{\text{wheels}} = 520 \times \frac{98}{1} \times 0.86 = 44262.4 \, \text{N m}.
\]
Now, calculate the ground thrust using the rolling radius \( r = 860 \, \text{mm} = 0.86 \, \text{m} \):
\[
F_{\text{thrust}} = \frac{T_{\text{wheels}}}{r} = \frac{44262.4}{0.86} = 51457.2 \, \text{N}.
\]
Converting this to kN:
\[
F_{\text{thrust}} = 51.457 \, \text{kN}.
\]
Thus, the ground thrust is approximately \(\boxed{50.96} \, \text{kN}\).