01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly.
02 - In a medium bowl, whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger until well blended.
03 - In a large bowl, mash bananas thoroughly. Add grated carrots, brown sugar, oil, eggs, vanilla, and milk. Mix until fully incorporated.
04 - Gently fold dry ingredients into wet mixture, mixing just until no dry streaks remain. Be careful not to overmix.
05 - Fold in chopped nuts and raisins if desired.
06 - Transfer batter to prepared loaf pan and smooth top evenly with spatula.
07 - Bake for 50-55 minutes until toothpick inserted into center comes out mostly clean. A few moist crumbs are acceptable.
08 - Let cool in pan for 15 minutes, then transfer to wire rack to cool completely before slicing.