Grease bread pan with oil and line it with parchment paper. Set aside. In a medium bowl, mix flour,baking powder,baking soda, cinnamon and salt uisng a wire whisk. Set aside.Place the butter and sugar in a mixing bowl and mix until pale in color, or sugar is melted. Add in the egg one at a time and continue mixing in low speed.Add the mashed banana until fully combined. Add in the flour mixture and mix in low speed just until the flour disappear. Remove bowl from the electric mixer stand and fold in 1/4 of the chocolate chips and fold in the apple.Gently transfer batter into the prepared bread pan and flatten the batter and sprinkle the remaining chocolate chips on top. Bake at 350 F for 40 to 50 minutes or until the skewer/toothpick comes out clean.