Preheat the oven to 350 degrees and grease a loaf pan.
Mash banana in a large bowl and then whisk in the egg. Add the water and whisk again.
Mix pancake mix and flour together then add to the liquid mixture. Mix well. If the mixture seems to thin, add additional tablespoons of pancake mix/flour one at a time until the batter reaches a thicker consistency. All flours and pancake mixes are a little bit different, so pay attention here.
Fold in the chocolate chips (I like to use about half a cup, but use as many or as few as you'd like!).
Pour the batter into the prepared loaf pan, and sprinkle extra chocolate chips on top.
Bake for 40-45 minutes, and serve with maple syrup.