Put the milk to boil on a low stove, add the sugar (can add more than 10 tbsp).
While it's boiling, beat the 2 puddings with a little water, add them to the milk and keep stirring until the cream is ready.
In a cake platter, put the 1st cake layer, pour on cream, place the 2nd layer, arrange the roundly sliced bananas on top and pour on cream again.
Place the final cake layer, pour on the remaining cream. Grate the chocolate on top. Leave the cake overnight in the fridge.