Preheat oven to 350 F. Grease a large loaf pan and then coat inside with around 1 tablespoon sugar, tapping out an excess (this is instead of flour).

In a large bowl, cream butter and sugar together. Add eggs, one at a time, and vanilla. Add mashed banana and pumpkin puree.

In a medium bowl, mix together flour, baking powder, baking soda, cinnamon, ginger, nutmeg, cloves and salt.

Add dry ingredients to wet ingredients in 2 or 3 batches. Fold in chocolate chips using a spatula.

Pour batter into prepared loaf pan. Add a handful of additional chocolate chips on top and sanding sugar if desired.

Bake for 55-60 minutes, or until a toothpick inserted in the middle comes out mostly clean. Allow to cool 10 minutes, then gently remove from pan.