Step 1

Preheat oven to 200C. Line 6 holes of a 12-hole, 1/3 cup (80ml) capacity muffin tin with paper cases.

Step 2

Combine the flour, sugar and chocolate chips in a bowl. Combine the banana, egg, vanilla and oil in a separate bowl.

Step 3

Add the wet ingredients to the dry ingredients. Gently stir with a wooden spoon until just combined. Spoon evenly among the paper cases. Bake for 20 mins or until muffins are golden and tops spring back when lightly touched. Turn onto a wire rack to cool completely.

Step 4

Use an electric mixer to beat the cream cheese and icing sugar until light and fluffy. Place a dollop of cream cheese icing on top of each muffin. Top with a banana chip.