Preheat the oven to 350°F (175°C). Grease a loaf pan with ghee or line it with parchment paper.

Whisk or sift flour, cacao powder, baking soda, and baking powder together. To this mixture, add the coarsely ground rolled oats. Mix well and set it aside.

In another bowl, combine mashed bananas, melted ghee, maple syrup, eggs, and vanilla. Beat the wet ingredients with a hand mixer for 2–3 minutes until smooth and creamy.

Add the dry mixture to the wet ingredients. Gently fold until just combined; do not overmix.

Fold in the chopped nuts or chocolate chips.

Pour the batter into the prepared pan. Bake for 55-60 minutes or until a toothpick inserted comes out clean.

Let it cool in the pan for 10 minutes, then transfer to a rack. Slice once fully cooled.