Prepare the Oats: Place the oat flakes in a bowl and pour the hot milk over them. Let them soak for 10 minutes until they become soft and absorb the milk.

Prepare the Banana Mixture: In a separate bowl, mash the ripe bananas until smooth. Add the eggs and mix well until fully combined.

Combine Ingredients: Add the soaked oats to the banana mixture and mix thoroughly.

Add the cocoa or carob powder, a pinch of salt, and baking powder to the mixture. Stir until everything is well incorporated.

Fold in the nuts.

Bake: Preheat your oven to 180°C (350°F).

Grease a loaf pan with a little oil or line it with parchment paper.

Pour the batter into the prepared loaf pan and smooth the top with a spatula.

Bake for 40 minutes or until a toothpick inserted into the center comes out clean.

Decorate: Let the loaf cool completely.

Melt the sugar-free dark chocolate and drizzle it over the top of the loaf for decoration.