Preheat oven to 350 degrees. Grease a 8x4 inch loaf pan, set aside.
In one medium size bowl, mash the ripe bananas. Once mashed, mix in all wet ingredients together.
In a large mixing bowl, combine all dry ingredients EXCEPT the cocoa powder. Leave some chocolate chips to sprinkle on top.
Pour wet ingredients into dry ingredients and fold together until combined.
In a small mixing bowl, remove 1 cup of the batter from the large mixing bowl. Add the cocoa powder to this batter (this is to create the chocolate swirl).
Pour the non cocoa powder mixture into the loaf pan. Then pour the chocolate mixture on top and swirl with a tooth pick. Sprinkle with chocolate chips.
Bake for 50 minutes or until golden outside and moist inside. Tooth pick should come out clean.