Preheat the oven: to 350 °F (180 °C). Line a 9×5-inch (23×12 cm) loaf pan with parchment paper and lightly grease it.
Mix dry ingredients: In a medium bowl, whisk together flour, cocoa powder, baking powder, baking soda, and salt. Set aside.
Mash bananas: In a large bowl, mash the ripe bananas until smooth. Add eggs and whisk until combined.
Add wet ingredients: Whisk in melted butter and vanilla. Then add both sugars and whisk until the mixture is smooth and glossy.
Combine: Add the dry ingredients to the wet ingredients. Stir gently with a spatula until no streaks of flour remain, don’t overmix.
Fold in chocolate chips: Mix in 1 cup (175 g) chocolate chips evenly.
Bake: Pour the batter into the prepared loaf pan, smooth the top, and sprinkle extra chocolate chips over the surface. Bake for 45–60 minutes, or until a toothpick inserted into the center comes out clean or with just a few moist crumbs.
Cool and serve: Let the bread cool in the pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.
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Notes
Bananas: The riper, the better! Use bananas with lots of brown spots for maximum sweetness and moisture. If your bananas are small, use 4 instead of 3.
Butter substitute: You can replace melted butter with ½ cup (120 ml) neutral oil (vegetable, coconut, or light olive oil) for an even moister loaf.
Chocolate chips: Use any mix, semisweet, dark, or milk. Chopped chocolate chunks also work.
Make it healthier: Swap half the flour for whole-wheat or oat flour. Reduce sugar slightly (⅓ cup white + 2 tbsp brown) if your bananas are very sweet.
Add-ins & variations:
Stir in chopped nuts (walnuts, pecans, or hazelnuts).
Add 1 tsp espresso powder to deepen the chocolate flavor.
Sprinkle sea salt on top before baking for a salted-chocolate twist.
Storage: Store covered at room temperature up to 3 days. For longer storage, refrigerate up to 1 week or freeze slices for up to 2 months. Thaw at room temperature or microwave for 20 seconds.