Preheat oven to 350°F and grease a bread pan or line with parchment paper.
Cream the sugars and butter together until light and fluffly.
Beat in the eggs, vanilla and milk.
Using a fork, in a separate bowl, mash the bananas.
Stir bananas into wet ingredients.
In another bowl, whisk the flour, cinnamon, baking powder, baking soda and salt together.
Fold dry ingredients and chocolate chips into the wet until just combined. Don't over mix.
Pour into prepared pan.
Bake for 1 hour. Check if centre is cooked by inserting a toothpick or fork into the centre of the loaf. If it comes out clean, the bread is ready, if not, continue cooking for another 10 minutes and try again.
Remove from oven and cool in pan for 5 minutes before removing and cooling completely on a cooling rack.
Store in an airtight container or wrapped in plastic wrap.