01 - Preheat oven to 350°F. Line a 9x5-inch loaf pan with parchment paper or grease thoroughly with butter or cooking spray.
02 - In a medium bowl, whisk together the all-purpose flour, baking soda, baking powder, salt, ground cinnamon, nutmeg, and ginger until well blended. Set aside.
03 - In a large bowl, mash the ripe bananas with a fork until mostly smooth. Add the grated carrots, brown sugar, oil, eggs, vanilla extract, and milk. Whisk until thoroughly combined.
04 - Gently fold the dry ingredients into the wet mixture using a spatula, mixing just until no dry streaks remain. Be careful not to overmix.
05 - Fold in the chopped nuts and raisins if desired, distributing evenly throughout the batter.
06 - Transfer the batter to the prepared loaf pan. Use a spatula to spread evenly and smooth the top surface.
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 should not remain.
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.