PL/SQL :: Split Result Of Table Data Comparison To Key(s) / Column / Old - New Each Row

I have two tables T1 and T2. T1 is the original backup snapshot for changed records from overnight batch in a big table and T2 is the overnight batch changed records. Both tables have similar number of rows (T2 might have more for newly inserted rows) and you can find out the differences by comparing these two according to action column in T2 (C - Update, A - Insert and D - Delete)

how to compare these two tables to generate something like the following. I can join these two tables to generate the diff but it is one row per account.

client_nbr branch_cd, account_cd, action column, old_value, new_value
8888 123 45678 C account_clsfn_cd 004 005
8888 123 45678 C buy_cd 98 99
8888 012 34546 A sell_cd 12
8888 321 98765 D dividend_cd 1

I am using Oracle 10g so Unpivot cannot be used.

CREATE TABLE T1
(
CLIENT_NBR CHAR(4 BYTE) NOT NULL,
BRANCH_CD CHAR(3 BYTE) NOT NULL,
ACCOUNT_CD CHAR(5 BYTE) NOT NULL,
ACCOUNT_CLSFN_CD CHAR(3 BYTE),
SELL_CD CHAR(2 BYTE),
BUY_CD CHAR(2 BYTE),

[code]....