01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly with cooking spray.
02 - Whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger in a medium bowl until well blended.
03 - Mash bananas in a large bowl. Add grated carrots, brown sugar, oil, eggs, vanilla, and milk. Stir until fully incorporated.
04 - Gently fold dry ingredients into wet mixture, mixing just until no dry streaks remain. Avoid overmixing to prevent tough texture.
05 - Fold in walnuts and raisins if desired, distributing evenly throughout batter.
06 - Transfer batter to prepared loaf pan. Use spatula to spread evenly and smooth top surface.
07 - Bake for 50-55 minutes until toothpick inserted into center comes out with moist crumbs. Avoid overbaking.
08 - Let cool in pan for 15 minutes. Remove to wire rack and cool completely before slicing for clean cuts.