Sieve the all purpose flour, baking powder and baking soda.
Add salt, stir in the caster sugar.
Mix together bananas, eggs, water and oil in a jug.
Pour this onto the dry ingredients and gently mix until just combine.
Fold in the chocolates, line a 12 whole muffin tin with 12 paper cases and fill with the mixture.
Bake in a pre-heated oven on 180 degree C for 30 minutes, remove and cool.
Delicious banana chocolate muffins is ready to serve.
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