Pumpkin bread with chocolate - chinese grandma

Ingredients

• 1 3/4 cups flour
• 1 1/4 cups sugar
• 1 teaspoon baking soda
• 1/2 teaspoon salt
• 2 teaspoons ground cinnamon
• 1/4 teaspoon ground nutmeg
• 1/4 teaspoon ground cloves
• 1/4 teaspoon ground ginger
• 1/2 cup neutral-flavored cooking oil or melted butter
• 2 large eggs
• 1/4 cup plain yogurt (regular or Greek)
• 1 1/2 cup pumpkin puree (almost all of a 15 ounce can)
• 3/4 cup chocolate chips (1/2 cup for batter; 1/4 cup for sprinkling on top)