01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly with cooking spray.
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. Whisk until smooth and fully incorporated.
04 - Gently fold dry ingredients into wet mixture using a spatula. Mix just until no dry streaks remain; avoid overmixing to prevent dense texture.
05 - Fold in chopped nuts and raisins if desired, distributing evenly throughout batter.
06 - Transfer batter to prepared loaf pan. Use spatula to smooth top evenly.
07 - Bake for 50-55 minutes until toothpick inserted into center emerges mostly clean (a few moist crumbs are acceptable).
08 - Let loaf rest in pan for 15 minutes. Remove from pan and transfer to wire rack. Cool completely before slicing for clean cuts.