In a large mixing bowl, beat cream cheese until smooth. Stir in sweetened condensed milk, milk and pudding mix. Mix until well blended. Fold in half of the non-dairy whipped topping. In a large bowl, layer bananas, wafers and pudding mixture. Top with remaining whipped topping and crushed wafers (opt.). Chill.

From the 'REcipeinternet: Recipes from Around the World' recipe list.