Powder the oats and keep aside. Mash bananas using a fork and keep aside.
In a mixing bowl combine powdered oats, flour, baking soda, salt, mashed banana, honey and choco chips.
Now add milk gradually and mix well until the batter reaches a pouring consistency.
Heat a non stick frying pan. Grease the pan with butter or oil (refer notes), pour a ladle of batter, spread if required. Cook on low - medium flame. Cook the pancakes for a minute or so and flip them over and cook for another minute.
Serve hot with honey, maple syrup, butter, cream, chocolate sauce.
NB
Vegan option: replace chocolate chips and milk with dairy-free options (1/2 tsp cinnamon and soy milk).
Healthier option: replace flour with glutinous rice flour or regular fine rice flour.