Pour the low-fat milk into a saucepan and add the rolled oats. Place the saucepan over medium heat and cook the mixture for approximately 10 minutes, stirring occasionally, until the oats are tender and the porridge develops a creamy consistency.
Remove the saucepan from the heat once the desired texture has been reached. Stir in the honey until it is evenly incorporated throughout the porridge.
Distribute the cooked porridge equally between two serving bowls. Allow each portion to cool for approximately 2 minutes so that the mixture thickens slightly.
Transfer the finely chopped dark chocolate to a microwave-safe container. Microwave it for up to 2 minutes, pausing every 30 seconds to stir. Continue until the chocolate is completely melted, taking care not to overheat it.
Arrange the banana slices over the porridge. Spoon the light cottage cheese on top, dividing it evenly between the two bowls.
Finish each serving by drizzling the melted dark chocolate across the banana, cottage cheese, and warm porridge. Serve immediately.