01 - Preheat your oven to 350°F (175°C). Line a 12-cup muffin tin with paper liners or lightly grease the cups.
02 - In a large bowl, mash the ripe bananas until smooth. Add the melted butter, milk, eggs, granulated sugar, and vanilla extract. Whisk until thoroughly combined.
03 - In a separate bowl, whisk together the all-purpose flour, baking soda, baking powder, and salt.
04 - Add the dry ingredients to the wet mixture. Stir gently with a spatula until just combined; avoid overmixing.
05 - Gently fold in the semisweet chocolate chips, reserving a small portion for topping if desired.
06 - Divide the batter evenly among the prepared muffin cups, filling each approximately 3/4 full. Sprinkle any reserved chocolate chips on top.
07 - Bake for 18–22 minutes, or until a toothpick inserted into the center of a muffin comes out clean or with a few moist crumbs attached.
08 - Allow the muffins to cool in the tin for 5 minutes before transferring them to a wire rack to cool completely.