In a large bowl, whisk the eggs, dark brown sugar, and olive oil until smooth.
Add the almond milk, Greek yogurt, mashed banana, and vanilla; whisk until the batter is smooth and uniform.
Stir in the ground cinnamon, nutmeg, and ground cloves until evenly distributed.
Add the whole wheat flour, baking powder, and salt; mix gently until just combined and no large flour streaks remain.
Stir in the water to loosen the batter, then fold in the cinnamon chips.
Heat a greased griddle or nonstick skillet over medium heat. Pour about 1/4 cup batter per pancake onto the hot surface.
Cook until bubbles form and the edges look set, about 3 minutes, then flip and cook 1–2 minutes more until golden and cooked through.
Serve hot with sliced bananas, extra cinnamon chips, and maple syrup, if desired.