Preheat oven to 180°. Spray muffin tin with cookiing spray.
In a large bowl combine oats, baking powder, cinnamon, nutmeg, and salt. In a separate bowl mix together mashed bananas, eggs, and milk until well combined. Pour milk mixture over oat mixture and stir well to combine.
Evenly divide the oat mixture between all 12 muffin cup and then top each one with a sprinkle of chocolate chips. Bake for 25 minutes or until set and cooked though.