Preheat the oven to 350°F (180°C). Line a muffin tin with paper liners.
In a medium bowl, whisk together the flour, baking powder, and salt until combined.
In a separate bowl, cream together the butter and sugar until light and fluffy.
Beat in the eggs one at a time, then stir in the vanilla extract.
Mash the ripe bananas with a fork, then fold them into the batter until just combined.
Chop the dark chocolate into small pieces and gently fold them into the batter, ensuring they are evenly distributed.
Fill the muffin liners about three-quarters full with batter. Bake for 18-20 minutes, or until a wooden skewer inserted into the center comes out clean.
While the cupcakes are baking, prepare the chocolate frosting: In a bowl, beat the heavy cream, powdered sugar, and cream cheese until light and fluffy.
Let the cupcakes cool completely, then frost with the chocolate cream and garnish with chocolate shavings.
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