1In large bowl, combine sweetened condensed milk, and water. Add Pudding mix, beat well with whisk. Chill 5 minutes, now fold in whipped cream..that has already been whipped from a pint of whipping cream, which will equal the 2 cups of whipping cream that this recipe calls for. Spoon 1 cup pudding mixture into oval casserole dish, top with wafers and bananas. Repeat and end with pudding.
2I garnish with more whipped cream..and crumbled vanilla wafers. So keep on hand more whipped cream, if desired..or you can just top with crumbled vanilla wafers on the last pudding layer.