In a bowl, add the banana and mash with a fork.
Add the flour, oats, cinnamon and baking powder and lightly whisk.
Add the 2-3 tbsp oil and egg.
Add the milk gradually, enough to make a free flowing batter, but not too runny.
Let the batter sit for about 5 minutes.
Heat a pan and add a little oil.
Place one of the apple rings in the center of the pan.
Place a few sunflower/pumpkin seeds to fill the centre of the apple ring.
Pour a ladleful of batter over the apple ring, enough to cover it and flow over to form a border.
Reduce the heat to low, cover with a lid and leave for about a couple of minutes. The top does not need to be completely firm, but should be set enough to enable you to comfortably run a spatula under it.
Carefully flip it over and cook on the other side. Press down on the edges to ensure it is cooked.
Remove to a plate and repeat for the rest of the batter.
Serve hot on its own or with a drizzle of honey.