1. Place the milk, condensed milk, eggs, salt and cinnamon into a bowl and whisk to combine.
2. Transfer the mixture into a shallow dish.
3. Place the butter and oil into a frying pan over medium heat.
4. Dip each slice of sourdough into the condensed milk mixture and place into the frying pan, cooking both sides until golden-brown in colour.
5. Remove from the heat, arrange the banana in an even layer over 4 of the bread slices.
6. Sprinkle the chocolate chips over the banana, then sandwich together with the remaining bread.
7. Serve while hot.

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