01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly with cooking spray.
02 - Whisk together the flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger in a medium bowl until well combined.
03 - Mash the bananas in a large bowl. Add grated carrots, brown sugar, oil, eggs, vanilla extract, and milk. Mix until fully incorporated.
04 - Gently fold the dry ingredients into the wet mixture, stirring just until no dry streaks remain. Do not overmix.
05 - Fold in the chopped nuts and raisins if desired, distributing evenly throughout the batter.
06 - Pour the batter into the prepared loaf pan and smooth the top with a spatula for even baking.
07 - Bake for 50 to 55 minutes, or until a toothpick inserted into the center comes out with moist crumbs but not wet batter.
08 - Allow the loaf to cool in the pan for 15 minutes, then transfer to a wire rack to cool completely before slicing.