Lightly grease a 9×13-inch baking pan.
Pour caramel sauce into prepared pan and make sure it is evenly distributed.
Place banana slices evenly over the sauce.
Layer and evenly sprinkle half of the bread cubes over the bananas.
Evenly distribute the cream cheese cubes over the bread cubes.
Cover the top evenly with the remaining bread cubes.
In a medium bowl, combine eggs, milk, sugar, vanilla, cinnamon, nutmeg and pinch of salt and whisk together until completely smooth and well combined.
Pour the egg mixture