In a medium bowl, combine the Greek yogurt and cocoa powder. Stir until well mixed and smooth. If you prefer a sweeter yogurt, add honey or maple syrup to taste and mix again.
In a serving bowl, layer the chocolate yogurt mixture at the bottom.
Arrange the sliced banana on top of the yogurt layer.
Drizzle the creamy peanut butter over the banana slices.
Sprinkle granola over the top for added crunch.
If desired, add chocolate chips and fresh berries for extra flavor and decoration.
Serve immediately and enjoy your delicious bowl!