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Preheat oven to 200°C.
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Grease a 12-cup standard muffin tin.In a medium bowl combine flour, sugar, oats, baking soda, baking powder, and salt. Set aside.
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In a large bowl beat the egg with a fork.
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Stir in the milk, vanilla extract, and oil.
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Add the mashed banana to the egg mixture and stir to combine.
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Using a wooden spoon, gently fold in the flour mixture into the banana mixture.
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Once combined, gently fold in the chocolate and chopped nuts.
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Pour the preparation in the tin and top each muffin with a sprinkle of oats, nuts, and chocolate
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Bake for 15-20 minutes until toothpick comes out clean.
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Set on cooling rack and enjoy!