Preheat oven to 350 degrees. Grease a 9x5-inch loaf pan.

Mix flour, baking powder, baking soda, and salt in a bowl. Add bananas and milk in a separate bowl, and stir. Beat butter and sugar into a third bowl until light and fluffy.

Add eggs to butter mixture, one at a time. Beat well. Stir the banana mixture into the butter mixture. Add in dry mixture until blended.

Add chocolate chips until all is well combined. Pour batter into the loaf pan.

Bake for 60 minutes, or until a toothpick inserted into the center comes out clean. Let cool in the pan for 10 minutes before slicing.