Preheat your oven to 350°F (175°C). This ensures that your bread bakes evenly.
Grease a 9x5-inch loaf pan with butter or non-stick cooking spray. This will prevent your bread from sticking.
In a medium bowl, whisk together the all-purpose flour, cocoa powder, baking powder, baking soda, and salt. Set this mixture aside.
In a large mixing bowl, mash the ripe bananas with a fork until smooth. Add in the eggs, granulated sugar, brown sugar, and vanilla extract. Whisk until well combined.
Pour in the melted butter and mix until fully incorporated. The warm butter should not cook the eggs but will help to create a lovely, moist texture.
Gradually add the dry ingredient mixture to the wet ingredients, folding gently with a spatula until just combined. Be careful not to overmix; a few lumps are okay!
Add the chocolate chips to the batter and fold them in gently, ensuring they are evenly distributed throughout the mixture.
Transfer the batter into your prepared loaf pan, smoothing the top with a spatula. If you’re using cacao nibs, sprinkle them on top for an added crunch.
Place the loaf pan in the preheated oven and bake for 55-65 minutes, or until a toothpick inserted into the center comes out clean or with a few moist crumbs.
Remove the bread from the oven and let it cool in the pan for 10 minutes. Then, carefully transfer it to a cooling rack to cool completely before slicing.