Preheat the Oven: Preheat your oven to 350°F (175°C). Grease a 9×5 inch loaf pan.
Mash the Bananas: In a large bowl, mash the 3 ripe bananas until smooth.
Combine Wet Ingredients: Mix in the ⅓ cup vegetable oil, ⅔ cup granulated sugar, and 2 large eggs until well combined.
Add Dry Ingredients: Add 1 teaspoon baking soda, ¼ teaspoon salt, 1 cup all-purpose flour, and ½ cup unsweetened cocoa powder to the banana mixture. Stir until just combined.
Fold in Chocolate Chips: Gently fold in 1 cup milk chocolate chips into the batter.
Pour and Bake: Pour the batter into the greased loaf pan. Bake in the preheated oven for 60 minutes, or until a toothpick inserted into the center comes out clean.
