Preheat the oven to 350
Melt the margarine in an 8x8 pan in the oven while the oven is preheating.
To make the sweetened condensed milk combine the shredded coconut, water, agave nectar, coconut oil and vanilla in the blender. Blend until smooth.
Combine the sweetened condensed milk mixture with the banana and set aside.
Remove the melted margarine pan from the oven carefully and sprinkle with graham cracker crumbs.
Pour the wet mixture evenly over the crumbs.
Top with the walnuts, chocolate chips and coconut, pressing down lightly.
Bake for 25-30 minutes or until lightly browned.
Cool for an hour and then chill thoroughly in the fridge before cutting into bars.