Whisk condensed milk and water in large bowl.
Add pudding mix Whisk about 2 min until well blended.
Chill for 10 min
Then fold in whipping cream.
Then fold in whipping cream.
Using a deep casserole dish, start layer or pudding then banana and wafers then pudding Repeat until gone.
The last layer I do a thin layer of pudding and wafers only.
Then chill for desired time and serve.