It’s 12 to 9 (Official clock system).

08:48

It’s 12 to 9.

Correct answer

08:47

It’s 13 to 9.

Error: 1 minute earlier

07:48

It’s 12 to 8.

Error: read minutes starting from hour markings and adding minutes

10:40

It’s 20 to 11.

Error: confuse hour and minute hands