In another sign that banks are returning to low-income and minority communities, two big ones have opened facilities in inner-city neighborhoods.

BayBanks Inc., with $11 billion in assets, last week opened the first full-service branch in South Boston in more than 30 years. And on Monday, Marine Midland Bank, an HSBC Holdings PLC unit with $19 billion in assets, opened a loan production office in the South Bronx.

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