Puree 1 banana in a mixing bowl (mash well with a blender or a fork). Then add sugar and oil and beat until frothy with a hand mixer. Stir in cocoa powder. Then mix the almonds, flour and baking powder and stir in. Finally add the crème fraîche and mix everything into a smooth mixture.
Pour the batter into the muffin tin (each mold half filled) and bake in the oven at 180 ° C for about 20-30 minutes. Let cool down.
Lightly scoop out muffins with a teaspoon (they should remain stable), crumble the hollowed out batter in a bowl and set aside.
Cut 1 banana into small pieces and divide 2/3 of them into all the muffins.
Beat the whipped cream with the vanilla sugar and cream stiffener until stiff. Fold in the rest of the banana (1/3), as well as the chocolate flakes.
Now add the chocolate and banana cream to the muffins and pile them up lightly. Then sprinkle the hollowed out dough flakes on top.