Preheat the oven to 180 C (350 F). Grease and line a 9x5 inch loaf pan with parchment paper. Place oven rack slightly lower than the middle of the oven.
In a large bowl, combine the mashed bananas, oil, milk, lemon juice and honey. Stir well.
In a smaller bowl, combine all the dry ingredients.
Add the dry ingredients to the banana in three batches, mixing well after each addition. Mix until well combined.
Transfer the banana bread batter to the prepared pan. If desired, sprinkle the top with chocolate chips and or nuts. Bake for around 50-55 minutes or until the bread has turned golden brown, the top springs back when you prod it, and a toothpick inserted in the center comes out pretty clean. It's a moist bread so there may be a few crumbs.