01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly.
02 - Whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger in a medium bowl.
03 - Mash bananas in a large bowl. Add grated carrots, brown sugar, oil, eggs, vanilla, and milk. Mix until fully combined.
04 - Gently fold dry ingredients into wet mixture, mixing just until no dry streaks remain. Do not overmix.
05 - Fold in nuts and raisins if using.
06 - Transfer batter to prepared loaf pan and smooth the top evenly.
07 - Bake for 50-55 minutes until a toothpick inserted into the 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.