Preheat oven to 350°. Place a rack in the center of the oven. Line a 9 x 5 loaf pan with parchment paper and spray with baking spray (or butter and flour the parchment paper) and set aside.
In a small bowl, mash the bananas in a bowl. Mix the egg with the sugar and oil and stir into the bananas.
In a separate large bowl, whisk together the flour, sea salt (regular salt is fine too), baking soda, baking powder, ground cinnamon and ground ginger.
Add the dry ingredients to the banana mixture. Stir in the milk (I used unsweetened almond milk).
Fold in the apple pieces.
Scrape batter into a 9 x 5-inch metal loaf pan coated with baking spray. Sprinkle on the turbinado sugar (if using).
Bake for 1/2 on hour at 350 then lower the heat to 325 and bake for about another 20-30 minutes, or until a skewer inserted in the center comes out clean. Every oven is different. I like to lower heat halfway through baking time so that it doesn't bake up too quickly and brown too fast.