01 - Preheat 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 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 ingredients into the dry ingredients and gently stir until just combined, avoiding overmixing.
05 - Fold in chocolate chips and chopped walnuts carefully.
06 - Transfer batter into the prepared loaf pan and smooth the surface evenly.
07 - Bake for 50 to 60 minutes until a toothpick inserted in the center comes out clean with few moist crumbs.
08 - Allow the bread to cool in the pan for 10 minutes, then remove and place on a wire rack to cool completely before slicing.