Break the chocolate into pieces and melt in a hot water bath. Preheat the oven (electric cooker: 180 °C/circulating air: 160 °C/gas: see manufacturer). Oil the twelve troughs of a muffin tray, dust with flour. Mix 100 ml oil, eggs, milk and sugar. Stir in chocolate. Mix cocoa, 200 g flour, 1 pinch of salt and baking powder.
Briefly mix the flour mixture with the egg and chocolate mix until all ingredients are evenly mixed. Spread the dough into the bowls. Bake in a hot oven for 15-20 minutes.
Take the muffins out of the oven and let them cool down for about 5 minutes. Carefully lift them out of the troughs and let them cool down.
Hollow out every muffin in the middle. Peel the bananas and cut them into thin slices. Put 3-4 banana slices into each muffin and sprinkle with 1 tsp. caramel spread. Whip the cream until stiff and pour on top. Crumble the removed cake cylinders and sprinkle over the cream.
Cut the muffins round at the top (approx. 2 cm Ø; in the diameter of the banana slices) about 2 cm deep.
Prick in horizontally from the side about 2 cm from the top. Push the knife back and forth a little while while loosening the circle from the ground.
Carefully lift out the loosened muffin circle or cylinder using the knife.