1In a large bowl, mix together sweet condensed milk and cold water, then quickly add in the pudding mix and whisk until fully combined. Add in the milk and whisk.
2In a separate bowl, combine heavy cream, salt, and vanilla extract and whip until stiff peaks form.
3Once pudding is set, gently fold in whipped cream 1/4 at a time until desired consistency.
4Assemble and repeat layers of whipped pudding, bananas, and Nilla wafers.