Peel the ripe bananas and mash them in a large bowl with a fork until you have a smooth puree.
In a separate bowl, whisk together the flour, sugar, baking powder, and salt.
Add the mashed bananas and water to the dry ingredients, and mix until just combined, creating a medium-thick batter.
In a deep skillet or pot, heat the oil over medium-high heat until it reaches approximately 340°F (170°C).
Drop spoonfuls of batter into the hot oil and fry until golden brown, about 2-3 minutes per side.
Remove the fried Zitumbuwa pieces and place them on a paper towel-lined plate to drain excess oil.
Serve warm, drizzled with honey, sprinkled with sugar, or topped with chocolate sauce.
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