施耐庵 is a Chinese personal name formed by combining the surname 施 with the given name 耐庵, which itself consists of the characters 耐 and 庵. The character 施 functions as the family name, while 耐 and 庵 are sequential components of the given name, each contributing individual meanings, 施 meaning "to apply", 耐 meaning "to endure", and 庵 meaning "hut", to create the complete three-character name.