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 the flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger until well blended.
03 - In a large bowl, mash the ripe bananas thoroughly. Add the grated carrots, brown sugar, oil, eggs, vanilla extract, and milk. Mix until fully combined and smooth.
04 - Gently fold the dry ingredients into the wet ingredients using a spatula. Mix just until no dry streaks remain, being careful not to overmix.
05 - Fold in the chopped nuts and raisins if using, distributing evenly throughout the batter.
06 - Pour the batter into the prepared loaf pan and smooth the top with a spatula for even baking.
07 - Bake for 50 to 55 minutes, or 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 - Allow the loaf to cool in the pan for 15 minutes. Carefully remove from the pan and transfer to a wire rack to cool completely before slicing.