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 blended.
03 - Mash the bananas thoroughly in a large bowl. Add the grated carrots, brown sugar, oil, eggs, vanilla extract, and milk. Beat until fully incorporated.
04 - Gently fold the dry ingredients into the wet mixture using a spatula. Mix just until no dry streaks remain—avoid overmixing to prevent tough texture.
05 - Fold in the chopped nuts and raisins if desired, distributing evenly throughout the batter.
06 - Transfer the batter to the prepared loaf pan. Use a spatula to spread evenly and create a smooth surface.
07 - Bake for 50–55 minutes until a toothpick inserted into the center comes out mostly clean. A few moist crumbs are acceptable, but wet batter indicates more time is needed.
08 - Let the loaf cool in the pan for 15 minutes. Carefully remove and transfer to a wire rack to cool completely before slicing into 8–10 servings.