01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly with cooking spray or butter.
02 - In a medium bowl, whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger until well combined.
03 - In a large bowl, mash bananas thoroughly. Add grated carrots, brown sugar, oil, eggs, vanilla extract, and milk. Mix until fully incorporated.
04 - Gently fold dry ingredients into wet mixture using a spatula. Mix just until no dry streaks remain—be careful not to overmix.
05 - Fold in chopped nuts and raisins if using, distributing evenly throughout the batter.
06 - Transfer batter to prepared loaf pan. Use a spatula to spread evenly and smooth the top surface.
07 - Bake for 50 to 55 minutes. Check doneness by inserting a toothpick into the center—it should come out with a few moist crumbs but not wet batter.
08 - Let bread cool in the pan for 15 minutes. Remove from pan and transfer to a wire rack to cool completely before slicing.