1.Preheat oven to 160°C/140°C fan. Grease a 10cm x 19.5cm (base measurement), 13cm x 23cm (top measurement) loaf pan. Line base and long sides with baking paper, extending the paper 5cm over the sides.
2.Sift flours, cinnamon and soda into a large bowl. Combine ¾ cup (165g) of the sugar, the eggs, milk, butter, vanilla and banana in a medium bowl. Add banana mixture to dry ingredients; stir until just combined – don’t over-mix. Spoon half the mixture into pan.
3.Beat cream cheese, rind, juice and remaining sugar in a medium bowl until combined. Spoon cheese mixture over banana bread mixture in pan, leaving a 1cm border. Top with remaining banana bread mixture.
4.Bake for 1 hour 25 minutes or until bread comes away from pan slightly and a skewer inserted into the side comes out clean. Cover with foil during cooking if overbrowning. Cool in pan.
Banana bread is best eaten on the day it is made. Store leftovers in the fridge, bring to room temperature before serving.
Transfer loaf to a cutting board; cut into slices. Return slices in position to loaf pan. Transport banana bread in the pan, completely wrapped in plastic wrap.