It’s 12 to 9 (Official clock system).

20:48

It’s 12 to 9.

Correct answer

20:49

It’s 11 to 9.

Error: 1 minute later

19:48

It’s 12 to 8.

Error: read minutes starting from hour markings and adding minutes

22:40

It’s 20 to 11.

Error: confuse hour and minute hands