Put a bag of cookies (or vanilla wafers) on the bottom of a 13x9x2 inch dish, then slice bananas and layer on top.
Combine milk & pudding mix, and blend well using a mixer.
In separate bowl, combine cream cheese & condensed milk and mix until smooth.
Gently add in whipped topping to cream cheese mixture.
Mix cream cheese mixture with pudding mixture and stir until well blended.
Pour mixture over the cookies & bananas, and then cover with another layer of cookies.
Put in refrigerator until ready to serve. Enjoy!