JPMorgan Chase ( JPM) CEO Jamie Dimon is "optimistic of the future" despite the fact that the financial crisis is "one of the most serious the world has ever seen." Dimon, who is typically pessimistic with his public remarks regarding the banking environment, offered a perspective on the global banking crisis at a presentation at the U.S. Chamber of Commerce on Wednesday. He said that regulators, Congress and business executives need to work together on a unified front to fix the economy. "Our industry and our economy are facing serious challenges. But we have encountered difficulty," Dimon said, according to prepared remarks. "The measure of our mettle as a country -- and as a company -- is how we work together to address these problems." JPMorgan Chase, which has weathered the financial crisis better than many competitors, received $25 billion from the Troubled Asset Relief Program last autumn, but Dimon reiterated that the company did not need the money. "We believe then as we believe now that accepting the money was the right thing to do for the U.S. financial system," he said. "We think the government acted extremely boldly. I hesitate to think what would have happened had they not done it." Dimon believes that many smaller banks are also in good shape and should pass the government's stress tests. "I think a lot of the banks will be fine," he said. "We shouldn't blanket everybody with the same brush." He said it was unlikely JPMorgan Chase would repay the TARP money this year, but possibly could in 2010.