Unit Banking Pros: 1) It's easy to Manage 2) Tries to solve the local problems 3) Lower chances of fraud 4) Better efficiency Unit Banking Cons: 1) Lack of division of labor 2) Very limited resources 3) Difficult to develop in backward areas 4) It is expensive to transfer funds Branch Banking Pros : 1) Better processes 2) More cash reserves 3) Easy to transfer accounts from one branch location to another Branch Banking Cons : 1) Difficult to detect leakages 2) Decision making takes time 3) No personal touch for customers