Peel the banana and slice it thinly.
Chop the chocolate into small pieces.
Combine flour, sugar, and baking powder in a bowl and mix.
Add the egg and milk, and mix well to form a batter.
Add the banana and chocolate to the batter and mix evenly.
Spread a thin layer of oil in a pan and pour in the batter.
Cook on medium-low heat, flipping, until golden brown on both sides.