Easy Baked Oats Recipe with Peanut Butter and Banana in 3 minutes

50 g rolled oats(1/2 cup)
1 tablespoon carob powder/ cocoa
1/2 teaspoon baking powder
chocolate chips(optional)
1 small banana
1 tablespoon peanut butter
100 ml milk/ plant milk(2/5 cup)
bake 20-25 minutes at 170°C/340°F
melted chocolate(optional)