Preheat oven to 325 degrees F. Grease and flour a 9 ½ x 5 ½ inch loaf pan. If you are worried about the bread sticking, grease the pan and line with a strip of parchment. Flour sides.

Combine the mashed bananas and the eggs in a large bowl and set aside.

In a second large mixing bowl, mix together the flour, sugar, instant pudding mix, baking soda,and salt. Make sure to mix it very, very well.

Add the mashed banana mixture to the dry mixture and stir until thoroughly blended.

Pour the oil over the batter and mix with a heavy duty scraper until blended.

Stir in the coconut and chocolate

Empty batter into the loaf pan and bake at 325 for about an hour and 15 minutes (check at an hour).

Let cool for an hour or so.