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Preheat the oven to 325°F with a rack in the center position. Lightly grease an 8" square pan.
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In a medium bowl, mix together the oats, cocoa, flax, baking powder, and salt until thoroughly combined.
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In a separate medium bowl, whisk together the milk, banana, maple syrup, oil, and vanilla.
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Add the wet ingredients to the dry ingredients and stir to combine. Add 1/3 cup (57g) of the chocolate chips and stir to combine.
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Transfer the mixture to the prepared pan, and spread into an even layer.
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Top the oatmeal mixture with the remaining 3 tablespoons (about 33g) chocolate chips and nuts.
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Bake the oatmeal for 35 to 40 minutes, or until set but not dried out.
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Serve the baked oatmeal warm with sliced almonds on top, and perhaps some extra milk and/or maple syrup drizzled on top, if desired.
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Store leftover baked oatmeal in the refrigerator, covered, for up to several days.