Combine the pudding mix & cold milk - whisk to thicken.
Add in 1/2 cup of the caramel & cream cheese- whisk to combine.
Fold in 1/2 of the whipped topping.
Arrange some of the graham crackers to cover the bottom of 9x13 pan.
Top with 1/2 the pudding mixture.
Slice 1 banana & arrange the slices on top of the pudding.
Repeat with layers again graham crackers, pudding mixture & another layer of sliced banana.
Top with the remaining whipped topping & the remaining 2 bananas in slices.
Crumble the remaining graham crackers and sprinkle on top.
Cover & refrigerate for at least 4-5 hours to allow the graham crackers to soften.
When serving you can do one layer- or like I did here- do 2 slices stacked & drizzle caramel sauce on top for more of a WOW factor.