Step 1

In a bowl, combine the milk and pudding mix and blend well using a handheld electric mixer.

Step 2

In a separate bowl, combine the cream cheese and condensed milk together and mix until smooth.

Step 3

Fold the whipped topping into the cream cheese mixture. Add the cream cheese mixture to the pudding mixture and stir until well blended.

Step 4

Add half of the cookies and half of the banana to the bottom of a glass or trifle bowl.

Step 5

Pour half of the pudding mixture over the cookies and banana.

Step 6

Add a second layer of bananas and cookies (save some cookies for the top) and pour the remainder of the mixture over the cookies and bananas.

Step 7

Garnish with additional whipped cream, cookies and bananas. Refrigerate until ready to serve.

Step 8

Refrigerate until ready to serve.