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Preheat oven to 375°F/191°C. Prepare a 12-hole 3-ounce muffin pan by spraying it with non-stick spray. Set aside.
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In a bowl, mix together cake mix, egg, water, oil and ripe bananas until smooth. Fold in half of the oatmeal and chocolate chips.
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Scoop out muffin batter in prepared pan. Sprinkle remaining oatmeal and chocolate chips as topping.
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Bake for 20-25 minutes or until a toothpick inserted in the center comes out clean.
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Best served warm.