Cook or soak oats in hot water and chocolate milk for 10-12 minutes to soften the oats.
Mash 1/2 banana and 1/2 kiwi with a fork.
Leave a few slices behind for toppings.
Combine the soaked oats, baking powder and the mixture of banana and kiwi in a bowl.
Pour the mixture into a small skillet pan and top them with the remaining banana and kiwi.
Bake for approximately 20-30 minutes.
Serve.