Make sure all the ingredients are at room temperature.
Sieve the flour or flours together with baking powder, baking soda, cinnamon, ginger and nutmeg and set aside.
In a large jug or bowl mix together sugar and eggs followed by oil, pumpkin puree and mashed banana.
Add wet ingredients to the dry ones and mix gently until just combined. Do not overmix.
Add chopped walnuts and chocolate chips and fold them in gently.
Pour the mixture into tin loaf (roughly 23 x 11cm) lightly greased and sprinkled with flour.
Bake until toothpick or skewer inserted into centre comes out clean approx 55min.
Let it rest in a tin for a few minutes before turning out onto a cooling rack.
Slice and enjoy!