Preheat oven to 180°C / 350°F.
Grease a baking dish lightly with butter or oil, or line it with parchment paper.
Place the bananas in a large bowl and mash them thoroughly with a fork until mostly smooth.
Add Greek yogurt, honey, coconut milk, and vanilla extract to the mashed bananas.
Stir until the mixture becomes smooth and evenly combined.
Finely grate the carrots and mix them into the banana mixture.
Add rolled oats, cinnamon, baking powder, and a pinch of salt.
Stir until everything is evenly incorporated.
Allow the mixture to rest for about 5 minutes so the oats begin absorbing the liquid.
Fold in the chopped nuts and mix gently.
Pour the mixture into the prepared baking dish and spread it evenly with a spatula.
Bake for 30 minutes until the top becomes golden and the center is set.
In a small bowl, mix cream cheese with vanilla yogurt until smooth.
Spread the topping over the warm baked oatmeal and sprinkle with extra chopped nuts.
Allow to cool for about 10 minutes before slicing into portions.