Instead of just plugging M20 into the formula once, we can cross-check the result using the ratio behavior of the modular ratio across different concrete grades, since the formula \(m = \dfrac{280}{3\sigma_{cbc}}\) implies m is inversely proportional to the permissible compressive bending stress \(\sigma_{cbc}\).
For M15 concrete, the permissible bending compressive stress is well known to be \(\sigma_{cbc} = 5\ \text{N/mm}^2\), which gives \(m = \dfrac{280}{3(5)} = \dfrac{280}{15} \approx 18.7\), a widely quoted standard value for M15 in working stress method tables. Since M20 has a higher permissible stress (\(\sigma_{cbc} = 7\ \text{N/mm}^2\)) than M15, and m is inversely proportional to \(\sigma_{cbc}\), the modular ratio for M20 must be correspondingly smaller than 18.7, specifically by the ratio 5/7: \(m_{M20} = 18.7 \times \dfrac{5}{7} \approx 13.3\).
Scaling the well-known M15 modular ratio down in proportion to M20's higher permissible stress reproduces the same result as direct substitution.
Therefore, the correct answer is 13.3.