It’s 12 to 5 (Official clock system).

04:48

It’s 12 to 5.

Correct answer

04:47

It’s 13 to 5.

Error: 1 minute earlier

03:48

It’s 12 to 4.

Error: read minutes starting from hour markings and adding minutes

10:20

It’s 20 past 10.

Error: confuse hour and minute hands