In a saucepan, over low heat, combine sugar, flour, and salt. Pour in sweetened condensed milk and coconut milk. While whisking throughly, slowly add in eggs. Continue whisking until well incorporated and mixture begins to thicken , for approximately 5-7 minutes.
Once it thickens, remove from heat. Stir in vanilla, spices, and butter. Continue stirring until butter melts.
Place pudding in refrigerator for 20-30 minutes to cool down. Layer ginger snaps, sliced bananas, and pudding in a serving dish or glasses. Chill for at least an hour. Top with whipped cream and toasted coconut.