Preheat oven to 350℉ (180℃) and spray a 9x5-inch loaf pan with baking spray. Line a piece of overhanging parchment paper across the long side of the pan.
Whisk together oats, flour, brown sugar, sifted cocoa powder, baking soda, salt, ground cinnamon, ginger, and cloves in a medium bowl.
In a separate bowl hand whisk the together mashed bananas, milk, maple syrup, eggs, and vegetable oil until blended.
60 grams whole milk, 341 grams mashed bananas, 85 grams maple syrup, 2 large eggs, 112 grams vegetable oil, 1 teaspoon pure vanilla extract or vanilla bean paste
Pour the banana mixture into the flour mixture and fold together with a rubber spatula until no flour streaks remain. Gently fold in the chocolate chips to distribute.
85 grams semi sweet chocolate chips
Transfer the batter into the parchment paper lined loaf pan and allow to sit for 10 minutes.
Sprinkle more oats and chocolate chips across the top.
old fashioned whole oats, semi sweet chocolate chips
Place pan on the center of the middle rack in the oven and bake for 65-70 minutes until toothpick comes out clean.
Set pan on a wire cooling rack to cool completely. Lift up on the overhanging parchment paper and remove the loaf from the pan.
Place the chocolate banana bread on a cutting board and slice to serve.