01 - Preheat the oven to 350°F. Grease and flour a 9x5-inch loaf pan or line it with parchment paper.
02 - In a large bowl, whisk together the flour, sugar, baking soda, salt, and cinnamon if using.
03 - In a separate bowl, blend mashed bananas, melted butter, milk, eggs, and vanilla extract until smooth.
04 - Pour the wet mixture into the dry ingredients and stir gently until just combined, avoiding overmixing.
05 - Fold in the semisweet chocolate chips and chopped walnuts evenly.
06 - Pour the batter into the prepared loaf pan and smooth the surface evenly.
07 - Bake for 50 to 60 minutes, or until a toothpick inserted in the center comes out clean with a few moist crumbs allowed.
08 - Allow the bread to cool in the pan for 10 minutes before transferring to a wire rack to cool completely prior to slicing.