Tasty banana chips coated in creamy milk chocolate Ingredients Sugar, banana (26%), milk powder, cocoa butter, cocoa mass, vegetable fat (palm), whey (from milk), emulsifier: sunflower lecithin; glazing agents: gum arabic, shellac. Milk chocolate contains vegetable fats in addition to cocoa butter. Â Milk solids 20% minimum, cocoa solids 20% minimum.