Peel the orange. Cut into small cubes, put the first layer.

Banana cut into slices and spread a second layer of oranges. The third layer again repeating the orange and also the 4th layer of banana.

Mix the cheese and condensed milk. (If You have a sweet curd, then you can do without the condensed milk.) "Besiege" fruit curd cheese (it's easiest with a teaspoon). Decoration depend only on Your imagination.