It’s 12 to 10 (Official clock system).

09:48

It’s 12 to 10.

Correct answer

09:47

It’s 13 to 10.

Error: 1 minute earlier

08:48

It’s 12 to 9.

Error: read minutes starting from hour markings and adding minutes

10:45

It’s a quarter to 11.

Error: confuse hour and minute hands