The question is asking you to find how much more quicky Annie is traveling on a bike compared to walking. We simply divide her biking speed by her walking speed to get a factor:
[tex]x = 12 \div 3.75 \\ x = 3.2[/tex]
Then we convert this to a percent: 320 percent.
We can say that Annie is traveling 320 percent faster on a bike compared to walking.