Preheat the oven to 350ºF and flour & oil a 9x5” loaf pan.
In a large bowl, mash the bananas. Whisk in brown sugar, oil, milk and vanilla extract.
Put a sift over the large bowl and sift in the flour, baking soda and salt.
Mix everything together using a wooden spoon until just incorporated.
Add the diced apples and fold the mixture until combined. Do not overmix.
Pour half of the batter into the loaf pan and make sure it covers the whole surface at the bottom of the pan. Drizzle on the ¼ cup of caramel sauce evenly on top of the batter. Pour in the remaining batter and smooth everything out.
Top with the optional toppings (except the caramel sauce). Cover the loaf pan with aluminum foil and bake for 45mins.
Remove from the oven and remove the foil. Bake at the same temperature for another 10-15mins. To test if the banana bread is cooked, insert a toothpick into the middle of the loaf and if it comes out clean, it is cooked. If there is raw batter on the toothpick, add additional 5mins at a time.
Once cooked, remove the loaf from the oven and cool for 5mins before removing from the loaf pan. Drizzle on the optional 2 tbsp of caramel sauce.
Notes
When sifting the flour, there is no need to remeasure after sifting. You can just sift all the dry ingredients straight into the bowl of wet ingredients.
When mixing the batter, be sure to get rid of any clumps of flour.
After the banana bread is baked, you may not notice the layer of caramel sauce that we added between the two layers of batter. That is because the caramel melted into the batter.
The purpose of baking with the foil first is so the inside of the loaf can cook thoroughly before removing the foil and browning the top.
Store the banana bread in a container or box (not a plastic bag, as the caramel sauce will stick to the top) in the refrigerator for up to 4 days.