Preheat oven to 350°F (175°C) and grease or line an 8x8-inch baking dish.
In a large bowl, mash the bananas (or add applesauce).
Whisk in the eggs, milk, honey (or maple syrup), and vanilla extract until smooth.
Stir in the rolled oats, baking powder, cinnamon, nutmeg, and salt until combined.
Fold in the grated carrots and mix well.
Add walnuts, raisins, coconut, or diced apple if using, and stir to combine.
Pour the batter into the prepared baking dish and spread evenly.
Bake for 30–40 minutes until the center is set and a toothpick comes out mostly clean.
Cool for 10–15 minutes before slicing into squares.