Chop the onion, slice the green pepper into thin strips and saute them in 30 g / 1 oz / 2 T margarine until tender.

Stir this mixture into the cooked rice.

Melt the rest of the margarine and stir in the flour. Slowly add the soy milk, stirring constantly to avoid lumps. Bring to the boil and simmer for 1 minute. Add the 'cheese' and stir until melted.

Peel and slice the bananas thinly and mix in with the rice mixture. Season to taste with salt and pepper.

Put a layer of the rice mixture into a greased baking dish. Cover with a layer of the sauce. Repeat the layers until all ingredients are used up, ending with the sauce on top.

Bake in a moderate oven at 350F/180C for about half an hour. Alternatively, cover with greaseproof paper and microwave for about 8 minutes.