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The Central Association had been established in 1895 by representatives of the London Clearing House, the West End banks and the Association of English Country Bankers to "safeguard the interests of bankers as a whole ... without in any way interfering with the work of the older societies". From the start, the Central Association was a channel for consultation, information and defence of banks. It was not concerned with the interests of bank officials which were cared for by the Institute of Bankers, although it shared the Institute's premises at 34 St Clements Lane.
The British Bankers' Association was established in 1919 as a result of the merger of the Central Association of Bankers and the Association of English Country Bankers. Its object was to better promote the interests of the banking community by having just one responsible association.