Sn = sum of first n terms = (n/2)(a1 + an)
So, we have S12 - S6 = 3S5
Since S6 = S5 + a6, we get S12 = 4S5 + a6
So, (12/2)[a1 + a12] = (20/2)[a1 + a5] + a1 + 5d
6(a1 + a1 + 11d) = 10(a1 + a1 + 4d) + a1 + 5d
12a1 + 66d = 21a1 + 45d
So, 9a1 = 21d. Therefore, d = (3/7)a1
Ratio of the 6th term to the 4th term = (a1 + 5d) / (a1 + 3d) = (22/7)a1 / [(16/7)a1] = 22/16 = 11/8