Preheat the oven: Preheat your oven to 350°F (175°C). Grease and line a 9x5-inch loaf pan with parchment paper, flour or lightly grease it with oil.
Prepare the dry ingredients: In a medium bowl, whisk together the flour, baking powder, baking soda, cinnamon, nutmeg, and salt. Set aside.
Mash the banana: In a large mixing bowl, mash the ripe banana with a fork until smooth. Add the maple syrup, applesauce, vegetable oil, and vanilla extract. Stir to combine.
Combine wet and dry ingredients: Gradually add the dry ingredients to the wet ingredient
Add carrots and mix-ins: Fold in the grated carrots, walnuts, and raisins (if using).
Bake the loaf: Pour the batter into the prepared loaf pan and smooth the top with a spatula. Bake for 50-60 minutes, or until a toothpick or cake tester inserted into the centre comes out clean. If the top starts to brown too quickly, tender the loaf with foil.
Cool the loaf: Let the loaf cool in the pan for 10-15 minutes, then transfer it to a wire rack to cool completely before frosting.
Prepare the frosting (optional): Take a mixing bowl, and whisk together the coconut yoghurt, powdered sugar, and vanilla extract until smooth and creamy. Adjust the sweetness to taste.
Frost and serve (optional): Once the loaf is fully cooled, spread the frosting evenly on top. Slice and enjoy!