Preheat the oven to 180°C/356°F.
Brush a loaf pan(9×4×3.5 inch) with butter/oil. Line the loaf pan with butter/parchment paper.
In a small bowl sieve all dry ingredients together.
In a different bowl cream both sugars and butter together. Beat on medium for 1-2 minutes or till the mix becomes light and fluffy.
Into the mix add eggs and vanilla. Beat on med speed till eggs are incorporated.
In a different bowl mash ripe bananas. No need to get a perfect puree.
Mix banana puree into the sugar-butter mix.
Add ¾ part of the dry ingredients and mix with a spatula just until the four disappear
Add milk and mix well. Add the rest of the dry ingredients and chopped chocolate. Mix well.
Pour the batter into the loaf pan.
If you want, sprinkle some chocolate chips.
Bake at 180°C/356°F for 45-50 minutes.
Insert a toothpick in the center. If the toothpick comes out clean banana bread is ready.
Let the banana bread cool down in the loaf pan for 10 minutes then transfer it to a wire rack to cool completely.