I don't remember tasting Banana or Apple in Taruto, but this recipe has many of my favorite flavors. WF's newish Portuguese Egg Tart flavoring goes nicely into the flavor profile; I'd say it's mellow representation in the commercial Taruto along with some VanCustard or V. Pudding or maybe light lemon Chemnovatic or FE Lemon (both absent from my flavor stash!)
Taruto is worth the effort!